Money Fix: Kicking the credit card habit

Knowing when to say when isn't just for booze, it goes for credit cards, too.

Americans, however, are back in love with credit cards. According to the Federal Reserve Board, in November revolving debt ballooned 8.5 percent over November 2010 to $798 billion. And holiday spending was nearly 5 percent higher than a year earlier.

Draw a line in the sand. "Say you will never have credit card debt again," says Dave Ramsey, author of "The Total Money Makeover."