Until the 19th century, Christmas gifts were not exchanged until Jan. 6. Christians would celebrate the gifts of the Magi to the Christ child. That was long before PlayStations, Black Friday sales and holiday spikes in airfare. Despite all the reminders of the reason for the season, the giving and gathering can be followed by months of credit card bills for many people. A report finds the average household credit card debt in Georgia to be the seventh highest in the country while the state has