Vantage Point

Make Holiday Shopping Work for You

Tick tock. The countdown until Christmas is on! Your time is a valuable commodity. Don’t let holiday shopping monopolize it. With these simple tips, you can make the most of your time.

Make a list
One of the keys to saving time and staying on budget is making a list. Write down the names of everyone you plan to buy a gift for, no matter how large or small the gift may be. Include those individuals who will receive holiday tips as well, such as your hairstylist, trash collector or mail carrier. Also, list gift ideas and the store names where those gifts can be found. By reviewing the list before you hit the stores, you can make the most efficient use of your time by eliminating repeat trips.

Shop safely
Chances are you’ll be making multiple purchases on any given shopping trip this holiday season. Consider using a credit card to make your holiday purchases. It is convenient and safer than carrying large amounts of cash. Vantage Credit Union offers a Mastercard® credit card for every need. With competitive interest rates, no annual fee and no balance transfer fee, a Vantage Mastercard will not only offer money-saving benefits over big bank cards, but you’re also keeping your money local. Platinum Rewards and World cardholders also receive up to 1.5 reward points for every $1 spent. Those points could be redeemed for cash, airfare, hotel stays, electronics, housewares, jewelry and much more!

Start early
If you haven’t started shopping yet, now is the time! You never know when you’ll spot the perfect gift. Just make sure you don’t forget where you’ve hidden those early purchases. If you’ve made advance purchases with your Vantage Mastercard, you have the benefit of price protection. That’s right! Should you find a lower advertised price for most purchases made with your qualified card within 60 days from the date of purchase, you may be reimbursed for the price difference. World cardholders have 120 days from the date of purchase.

Research, research, research
Shopping for electronics for your teen? Or maybe you just want to know if that play kitchen will hold up to your energetic toddler. Check out reputable online reviews before you buy. Sites such as provide hundreds of expert reviews on almost anything you can imagine. For purchases made with your Vantage Mastercard, you’ll receive extended warranty protection. Coverage applies to new items with an original manufacturer’s warranty of 12 months or less purchased entirely with your covered card. The extended warranty doubles the original manufacturer warranty up to a maximum of 12 months on most purchases. For World cardholders, the extended warranty doubles the original manufacturer warranty up to a maximum of 24 months on most purchases.

Black Friday. Small Business Saturday. Cyber Monday.
Whether you like to brave the crowds for door buster deals, shop local or shop from home, these highly anticipated shopping days offer up a variety of deals. With the larger volume of purchases being made, cybercriminals will be on high alert. It is a good rule of thumb to review your credit report annually. Many credit card companies also provide identify theft protection and resolution services. Vantage Mastercard cardholders have access to Identify Theft resolution services, should you believe you are a victim of identity theft. Safeguard your personal information online by signing up for Mastercard ID Theft Alerts, a free service that alerts you if it detects that your personal information is being bought or sold online.

Don’t let time slip away. Ready, set, SHOP!

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