So my wife's aunt usually sends her something from the Swiss Colony catalog every year around Christmastime. (one of those silly gift catalogs with fruitcakes and meat/cheese gift baskets etc.) Consequently, we're on their mailing list, I guess, because we just got their catalog yesterday. And, lo and behold! According to an insert on the first page, my wife is pre-approved for $1000 in credit! Which means we can buy all the fruitcakes and cheesecakes we want and make monthly payments of only $35. Because sending everyone fruitcakes that you can't afford and making payments on them until October of 2015 is what the holiday spirit is all about.