YAKIMA -- The holiday shopping season is coming to a close and now many people are facing big credit card bills.
Lenders say they see a spike in payment delinquencies around the holidays due people overspending during the holidays.
Credit counselors say it's not a good idea to rely on your tax return to pay off cards because you may get less than you expect. Instead, they say people focus on their interest rates.
Wendy Burns with the Yakima Credit Union suggests paying down debt at a lower interest rate may help get debt paid off sooner.
More tips for resolving and avoiding debt include paying off your high interest cards first, pay cash for gifts, and carefully monitor your credit card statements because you may be spending more than you realize.