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A survey of consumers who visited its Web site indicated that many intend to put less on credit cards for holiday celebrations this year, according to the National Federation of Credit Counselors.

The organization asked consumers visiting its site how they anticipate paying for their holiday celebrations. Over 3,800 respondents responded and 68% said they would pay cash for their gifts, decorations, food and entertaining this year. Another 12% said they would charge them but not revolve any charges, 10% said they would charge them and pay over time and 10% said they would use store lay away programs.

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