As the holiday shopping season speeds toward its finale, millions of shoppers will give up on finding "perfect gifts" and instead buy gift cards. That's actually a great idea: Lots of people love gift cards. What is not a good idea is paying face value for them when discounts can be found all over.
Credit card rewards are the new social currency. Citibank customers can now use Facebook to pool their rewards points online. The bank on Tuesday launched a Facebook application that lets users team up to use their points, whether it's for charity, a group gift or a personal goal. Citi says it's the first bank to offer such a feature.