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FILE- In this Nov. 23, 2018, file photo shopping bags are stuffed into a car at Prime outlets on Black Friday in Lee, Mass. Last year, 65 percent of millennial shoppers put gifts on their credit card. This year, roughly a third of them are still paying off that debt, according to an annual survey of holiday shoppers from NerdWallet. (Ben Garver/The Berkshire Eagle via AP, File)

FILE- In this Nov. 23, 2018, file photo shopping bags are stuffed into a car at Prime outlets on Black Friday in Lee, Mass. Last year, 65 percent of millennial shoppers put gifts on their credit card. This year, roughly a third of them are still paying off that debt, according to an annual survey of holiday shoppers from NerdWallet. (Ben Garver/The Berkshire Eagle via AP, File)

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