F) Fifth, as to returns policies, they seem to get tighter every year, and they can be worse for Black Friday. For some items, stores may have only a short return policyand they may charge you a restocking fee. If you arent sure if youve bought the right size , plan on making your return as soon as possible. Keep your receipt handy and pick up gift receipts where necessary.

　　G) Sixth, it is better to use your credit card on Black Friday. Normally, I，m against using a credit card for most purchases. Its too easy to run up a big bill, but there are some definite benefits to using plastic on Black Friday. Many credit card companies have much better return protection than stores: a purchase made on your credit card may have guaranteed refund up to 90 days. Credit cards often offer warranty coverage for free on purchasesa much better deal than most of the service contracts offered by stores. Lastly, some cards offer sale price protection. If the price of your purchase is marked down further than the price you paid within a certain time frame, you can get a refund of the difference.

　　H) Seventh, if youre planning to find a great deal on an HDTV on Black Friday, Im afraid that youre out of luck. Even on Black Friday, its rare to see much in the way of sales on big ticket electronics. The small sales are generally just not worth the hassle of trying to get a sales person to help you with anything time intensive when theyre getting slammed with hundreds of shoppers.

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