Talk about a buzzkill: next time you go to the movies, it’s likely that you’ll get lectured about how to handle your credit cards. I’m not kidding. The Federal Reserve announced it is sponsoring 45-second advertisements in movie theaters with tips to help shoppers avoid unnecessary credit card charges and fees. (Like, duh, pay on time and don’t go over the credit limit.) The PSAs already have begun appearing before movie previews at 12 highly attended theaters in major metropolitan areas during the holidays. Several Federal Reserve Banks will make consumer literature available in the theater lobbies. Here’s an idea: watch these ads, go see The Road, and then look for a rope and a tree.