 Many people use their credit cards to make purchases during the holidays. Financial specialists say if you don't want to find yourself deep in debt, make sure to read the fine print. Holidays are a cheerful time. Everyone's happy. Everyone's in a giving mood. That might mean purchasing things that you can't afford right now. You might not have the cash to pay for right now. The easiest way that people can pay for those things is to put it on a credit card. That adds up very quickly, especially when you're purchasing gifts for a lot of people. Over time, the amount that they owe grows to a point where it's insurmountable. While there may be some dangers to look out for, Lieutenant Kamalan Selvaraja, U.S. Naval Hospital Naples Command Financial Specialist Coordinator, says using a credit card can still be helpful when completing your holiday preparations. It can be a great tool. It requires self-discipline and patience and adhering to a plan, and so those are important keys to use credit wisely. I'm Nicole Vandergrin, Naples, Italy.