As tempting as it might be to shower your loved ones with expensive gifts this holiday season, you should resist doing it – at least with credit cards, experts say. Credit card debt is at a record $1.08 trillion this year, according to the New York Federal Reserve. And many Americans expect to add more this holiday, which can hurt you for years. Those trends point to one solution: “Only spend what you can afford to pay off by your credit card’s due date, if you can manage it,” said John Kiernan, editor at personal finance site WalletHub. With that in mind, swipe through for a list of 12 steps experts recommend to avoid a holiday debt hangover.