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Every year, thousands of Canadians go into credit card debt preparing for the holidays, which often leads to big bills and interest payments in the New Year. Interac® Debit, Canada’s debit payment service, wanted to remind people to Have a Merry January by using their own money instead. In this cinematic spot, we see a last-minute holiday shopper in a toy store as the worry of credit card debt causes her imagination to run wild.