i don't have any, i use a debit card only (and banks are encouraging credit over debit card, saying it has more fraud protection. i think they encourage because there's not much money to be made from debit cards).
at any rate, just saw this article and thought i'd link to it, considering it's the largest shopping season of the year.
http://redtape.nbcnews.com/_news/201...y-charges?lite