Take Credit

If you want to buy that fancy item you see advertised on TV, you know what to do; it's only a phone call away. You even know to be sure to "have your credit card ready."

Unfortunately, credit cards don't have a "ready" state. They're binary, either in use or not. If you have a credit card that's not maxed out, it's really always ready.

Maybe it's fair advice. You might get so excited when the ordering gets going that you won't be able to remove your credit card from your/significant other's pocket/wallet/purse.

To be on the safe side, keep your credit card in your hand at all times.