This Christmas credit card won’t rule the roost while shopping. It is expected that this year more of the purchases would be made using a debit card. It seems that people are more interested is spending their own money rather than going with their credit card. Customers are now banking more on their debit cards as they feel that it’s a quicker and a safer option and you can certainly keep a watch over your spending with it. Though the customers would be feeling at ease but the retailers don’t seem happy. For them it would become difficult to track post holiday returns. Pam Thurston, Store manager, Target stated: I think it does make it more challenging. The easier forms are a gift card, like a Target gift card, because those are quickly returnable. Making returns on a debit card (purchase) does make a little more difficult because you’re dealing with more banks with different rules on returns. Whatever may be the difference of opinion but at the end of the day the consumer gains.