Call it a sign of the times:  The Salvation Army is kettle-testing a way for people to donate using credit cards.

Don't have any change to spare for the guy ringing the bell at the Salvation Army kettle? Soon, you may be able to pull out your credit card to make your donation.

The charitable organization, known for its holiday bell ringers and red kettles, will be getting a 21st century update thanks to Square, an electronic payment service that provides a means for anyone with a smartphone to accept credit card payments.

SO - will we be able to make our donations on plastic in Duluth?  Probably not this year.  But, stay tuned -

For now it's unclear how many bell ringers will actually be equipped with the ability to take credit cards. The organization says that the option will only be available in select markets, including New York, Chicago, Dallas and San Francisco. But if one comes to your local mall, forget using that old excuse of not having any change in your pocket.