Large credit card debt from Chrisitmas purchases isn't hard to come by when it's so easy to swipe a credit card.Dave Christianson is a financial planner for the Knowledge Bureau. He recommends paying off the debt in a few months after the holiday season, especially with the high interest rates attached to certain store charge cards. Christianson adds in order to avoid paying such high interest it is easier to use a line of credit at a bank to pay off the credit cards because they have a lower interest rate. Christianson says you also have to start preparing months in advance to minimize use of charge cards during Christmas. He says one way of saving is to evaluate how much you spent this year and use that as a goal for the next shopping season. Christianson notes when addressing accumulated holiday debt, stay calm and work out a logical system of repayment.