(NNPA)—Amid the holiday hubbub of celebrations, shopping and other seasonal events, the convenience of credit cards lend themselves to greater usage. These seasonal temptations are in addition to the ongoing needs of many low to moderate income families that turn to credit cards for unexpected family needs.

But before reaching for that plastic plate this year, consumers should be warned to remember some subtle and serious changes in how credit card terms are rapidly changing.

“We’ve heard the economy is improving, but it is still a challenge,” she said at the Dec. 2 event. “That’s why we as a chamber have gone back to the basics, the ABCs—Arts, Business development and Civic engagement.”

GRANDE FINALE—As Board Chairman Sam Stephenson looks on, President and CEO Doris Carson Williams presents a crystal vase to BNY Mellon Chairman and CEO Robert Kelly after his address to the African American Chamber of Commerce’s 11th annual business luncheon.

DEC. 10—The Carnegie Library of Pittsburgh will host their Business Program Series from 12:15-1 p.m. at the Downtown and Business branch, 612 Smithfield St. The topic is “Census 2010: stand Up And Be Counted!” Benita M. Johnson, partnership specialist for the U.S. Census Bureau, Census 2010, will be the presenter and will discuss why it is critical for every resident in one’s area to be counted and how to help one’s community achieve this goal. Results are the basis for federal, state and local funding. This event is free and open to the public. For more information, call 412-281-7141.

“The greatest untapped market for American business can be found right here at home in the economic shadows,” Fattah said Monday at an Urban Caucus briefing for House members and staff.

Chaka Fattah