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2021 holiday shopping habits

COVID-19 has been a roller-coaster from our work to our shopping habits. We conducted a survey in October to learn how people are feeling about holiday shopping a year after 2020.

While 2020 had us predominantly at home, 63% of shoppers said they’ll be going in-person this year. No matter where you do your shopping, chances are high that card fraud is on your mind. Create a unique virtual card to spend safer. A virtual card is a randomly generated 16-digit card number that is unique to each Pocket and provides a buffer between your account and merchants.

Stress is almost synonymous with the holidays for a variety of reasons. Let’s cross “budgeting” off that list with Pockets. For example: create a Pocket, then name it “Gifts”, and in the description, you can type in what the total budget is, for this example, $500. You can either transfer one lump sum from your Spend or another Pocket directly into this new Pocket or set up a Scheduled Transfer to slowly move money into this Pocket over a length of time and with a custom amount.

Pro Tip → Make sure to assign your One card to the Pocket you want to spend from to keep track of your holiday spending budget automatically.

1 in 3 shoppers are planning to cut down on unnecessary expenses this holiday season. Not sure where to begin? Take a look at your holiday spending from the past year to get an idea of how much you typically spent on holiday gifts, decorations, food, etc. It’ll help you get a better idea of how much you can safely spend, especially if your finances have changed this past year.

If you need an extra buffer, have an emergency expense, or just want a little extra cash, Credit Line gives you access to a low APR line of credit. If you repay the borrowed balance within the month you borrowed, you won’t pay interest. If a balance carries into the next month, you’ll pay 1.00% per month (12% APR).


Survey methodology: This survey was conducted online within the United States by One using Survey Monkey platform the week of October 17, 2021 among 1,037 U.S. adults ages 18 and older. This online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact .

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