It's always Christmastime for lenders, credit card companies:

I just watched one of the funniest/scariest holiday videos called "It's always Christmastime for Visa" - one that gently reminds all of us that our gift-giving ways this time of year can cause serious financial damage when we're not careful.

The video is posted on the Web site for Americans for Fairness in Lending (AFFIL), a non-profit consumer watchdog group.