Stacey Vanek-Smith reports that the reason most retailers like plastic is because, as one consumer tells her, "credit
cards make it too easy to spend too much."
"When you use a credit card, you're saying you're pretty optimistic about the future," explains Lynn Kahle, a consumer psychology expert at the University of Oregon. "I may not have the money right now, but better to enjoy the pleasures of life now and worry about paying for them later." Kathy Grannis of the National Retail Federation agrees that impulsive buys will be down this holiday season.