If you're decking the halls of local malls to finish your Christmas shopping, don't forget the Federal Reserve just raised its benchmark interest rate by half a percentage point. Bankrate's Greg McBride says that means you will paying three-to-five-percent more if you have credit card debt. If you still have a lot of shopping left to do, you are not alone. A new Yellow Octopus survey of Google Adwords data shows Miami shoppers are the most likely to put off their to-do lists until the last minute.