Bad news, my cheap, selfish friends. This year when you walk past the Salvation Army bell ringer, and tell them you're SO sorry but you don't have any cash or change....even though you totally won't work.

This year the Salvation Army bell ringers will be swiping credit cards on their PHONES.

They'll use a device called Square to take credit card donations right on the spot. It's a little credit card reader that plugs into a smartphone.

The new program starts in Dallas, San Fransico, Chicago, and New York this year...but could expand to other cities quickly if it works.

The BIG question.. Would you trust enough to swipe your card?