Black Friday and Cyber Monday are almost here, and the deals are always getting better and better. This year, these holidays look different as retailers are opting to have deals throughout November in addition to the exclusive, traditional Black Friday and Cyber Monday deals. Although some retailers will be open with social distancing in place, most of the deals this year will be available online as well. Whether you’re buying yourself something special or getting started on this year’s holiday shopping, these tips will save you time and money.
1. Do Your Research
It’s essential to go in with a game plan and do some research. What’s on your holiday shopping list? Decide what items you’re shopping for BEFORE looking at deals to keep yourself on track. It also does not hurt to know the name of a particular product, so when you search for it online, you find it faster and score the deal before it gets sold out. Check out a list of this year’s deals (which is updated frequently to include new deals!) here.
2. Make a Game Plan
When it comes to Black Friday, it’s quality over quantity. You can’t hit every store in the mall, so select a few to stay efficient. If you shop online, you’ll have more freedom to visit different stores faster. It is important to know what you’re looking for, so you don’t overspend or get distracted even with that advantage. Check return policies and limitations on these stores before you shop. Make a note of whether the store or you have to pay for return shipping. It’s always important to read the fine print.
3. Get Your Information Ready
If you are plan to shop online anytime throughout this month of deals, make sure you have your payment information ready to go. Save time by knowing exactly how you’ll pay for each item on your list, and use services like PayPal to avoid typing in your card info or shipping address each time you shop. If you have any accounts affiliated with stores you shop online with, make sure you know your log in username and password if they have exclusive deals for users!
4. Use the Right Card
During this weekend's big sales, use a card that rewards you! Get ready to shop 'til you drop using your USC Credit Union Rewards MasterCard and take advantage of 3x Reward Points* on everything you purchase Friday (November 27th) to Wednesday (December 2nd)! Plus, pay 0% APR** on your purchases for 15 months.* Don't get fooled by those high-interest store cards, use the only card that will save you money this holiday season.
*APR (Annual Percentage Rate) is effective November 6, 2020 and is subject to change and may vary. Offer valid for any purchases, minus returns, credits and adjustments (“Net Purchases”) from November 27 to December 2, 2020. The following transactions are not considered Net Purchases and will not be eligible for 0% APR: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. Offer valid for existing card holders only. You understand interest will accrue at a rate of 0% APR from the date a transaction posts to the account for any purchases made during this promotional offer. Your 0% APR promotional rate will end June 30, 2021. After that, your standard variable purchase APR will apply to any balance remaining (10.15% - 17.00% based on product type and your creditworthiness). The minimum monthly interest charge is $0.50. If you make purchases interest will be charged on purchases made with your credit card at the standard variable purchase APR unless you pay the entire balance (including any transferred balances) in full each month by the payment due date. No reward points earned on balance transfers. You agree to abide by the complete terms and conditions of this account that accompanied your card when issued. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at (877) 670-5860 for current rates, terms and conditions.
**Earn triple points (up to 50K points) on purchases made on November 27, 2020 through on or before December 2, 2020. Transactions need to be posted to your account during these dates. Purchases made outside of these dates will collect standard rewards points. You earn points when you use your USC Credit Union Platinum Rewards MasterCard to make purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered Net Purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges.