In less than two weeks, the so-called “ber” months will begin. This marks the unofficial start of the Christmas season for Filipinos. It is when people crowd the malls to take advantage of various promos, such as zero-interest and deferred-payment schemes. More often than not, they also go overboard on spending, resulting in broken budgets. The temptation to swipe is all around, but do we really know what to do when our credit card statements reflect unexpected charges or when we are victimized by credit card fraud or scams?