off so net net you might save money even with the interest charges. taking advantage of big deals seems to be the big reason that consumers are pulling the plastic out of their wallets this holiday season. and maybe even giving the economy a little boost in the process. >> overall, spending was up significantly. so, what that shows is consumers are willing to buy across a broad range of categories if the price is right. so the key trick former chants is going to be focused on getting the prices right. getting the promotions aligned properly and that probably is going to lead to higher overall sales. >> and according to first data, the average ticket, the average sale, credit or debit card was down 1% on black friday suggesting that saving money by buying products at disownts are what consumers are really after here, shep. >> shepard: peter, interestingly, a new push to do away with atm fees.