Overview
After all that holiday shopping that you enjoyed oh, so much, you may not be ready to quit. If you're still patrolling the malls, however, consider this: Valentine's Day is four days away, so you may want to have a couple of bucks left over -- say, to pick up something nice for a loved one. Better get that gift while you still have available credit, and then retire the plastic. Have dinner at your place. (It's romantic.)