The National Foundation for Credit Counseling (NFCC) released results of an online poll yesterday that showed a majority of people are electing to pay for holiday shopping with cash or a debit card.

“Consumers are definitely shifting toward using debit cards, perhaps as a tool to control spending or because they have limited or no access to credit,” said Gail Cunningham, a spokesperson for the NFCC, in a press release.

Out of 4,800 respondents, 70 percent said they will pay with cash or a debit card, 10 percent said they will charge purchases and pay the bill in full when it arrives, 9 percent said they will pay over time and 11 percent said they will use layaway programs.