Yes, quite an easy one this time, about 1/2 hour, but clever clues all relating to the "season". (Dare I say it in these PC times? Christmas; celebrating the birth of the credit card.) (-;>
@Rosalind - had to look up RTFM; not a texter, but I could use that at work almost every day.
@GK - Happy birthday! 28th? I hope January brings a tougher one to challenge us a bit.
@Aristo - thanks for doing the explanations.
@Les - looking forward to your new puzzles.