(BPT) - It may be the season of joy, but for many Americans, the holidays can also be a time of great stress – particularly when it comes to gift-giving and shopping.

Because many Americans wait until the final week or two before Christmas to make their holiday purchases, shopping can become a nightmare. The potential results can include long lines, anxiety over the arrival of an online delivery or missing out on the hot new toy of the season.

In addition, the holiday season is a prime time for thieves and scammers. Consumers need to take extra care to protect their identity and avoid having their credit cards and holiday purchases ripped off.