More than half of consumers plan to use cash to pay for this year's holiday purchases, the findings of two surveys released this week suggest. In a telephone survey of 1,005 adults Opinion Research Corp. conducted Oct. 9 to 11 on behalf of insurance-and-financial marketer USAA, 85% of respondents said they plan to use cash to make holiday purchases this year, while 62% planned to use more cash for more holiday purchases than they did last year. Some 55% of respondents said they do not plan to use credit or charge cards for holiday purchases this year. Some 74% of those who planned to pay for holiday purchases with a credit card intended to pay off the balance immediately, while 20% said they will pay off the balance in a few months. Some 15% of respondents planned to charge more on their credit card for holiday purchases than they did last year, while 19% were not sure how they would pay for holiday purchases. In a separate online survey conducted in October involving 3,800 U.S. adults, the nonprofit National Foundation for Credit Counseling found that 68% of consumers planned to pay cash for holiday purchases. Some 12% of respondents said they plan to pay off holiday-related credit card balances immediately, while 10% planned to pay off bills over time.