It’s a new year. The holidays are over. And if you used credit cards to pay for any of those holiday gifts you, like many consumers, might now be suffering from a post-holiday credit card hangover. That’s when the reality of holiday overspending sets in and you go from thinking about deals to focusing on debt.

Even if you haven’t yet received your first credit card statement since finishing your holiday shopping, now is a good time to think about it. The sooner you start tackling that holiday credit card debt, the better. Let’s talk more about why you might be suffering from a credit card hangover and what you can do about it in coming weeks. read more..