This Sunday marks the first day that consumers could start paying an extra fee just for using their credit card to make purchases. But don't panic: It's unlikely to kick in right away, especially at the biggest retailers.
Here's the good news: American consumers are finally starting to reduce their reliance on credit and pay off their high-interest debt -- a positive development for their financial futures. The bad news: More money in people's pockets means less overall spending in the economy, which desperately needs the cash right now. How might the tension be resolved?