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I say Merry Christmas for the majority, however if I"m interacting with someone I have never met I will say Happy Holidays as not to offend. Most people in my life are Christian (and in my area) so I have never thought about offending someone, makes me think about it a little big more

When I say it, I say 'Merry Christmas.' When I write it, I say 'Happy Holidays'. I just don't think about when I say it. I'm usually really considerate of people. I think this thread will remind me to stop saying 'Merry Christmas'.

I always said Merry Christmas until I moved to NYC. Now, it's Happy Holidays. I think especially in NYC where it is so diverse one needs to be cognizant of other beliefs!

Happy Holidays. Most people don't find "Merry Christmas" offensive, but there's more than one holiday during this time of year - New Years, too!

@bluestriped bee: Ours say "Warm Wishes, love the McK family". Last year I think it was something like "May your holiday season be warm and bright" (and had a picture of E holding a tangle of Christmas lights).

I say Merry Christmas to my family and Happy Holidays to everyone else. Or if I'm feeling a little cheeky I say "Happy EVERYTHING!"

I usually say "Merry Christmas" out loud, but our holiday cards say "Happy Holidays" or "Season's Greetings"... 6 years of working for Disney has made me semi-PC.

I say Merry Christmas, but I know that the people I interact with DO celebrate Christmas. If I'm in public with strangers, I don't initiate any sort of holiday greeting, so I just mimic whatever they say. I like to think that if I knew people who didn't celebrate Christmas and/or celebrated other holidays I would aim to be inclusive though.
I do send a 'Merry Christmas' card to my atheist Aunt, but she celebrates Christmas, just not religiously, so I don't see any harm in that

I'm Jewish and agree completely with what artbee posted! I'm not offended if someone says "Merry Christmas" to me, but I do kind of roll my eyes at the presumption that everyone celebrates xmas. I get that it's meant the best of intentions, but I think the greeting should reflect the person receiving the greeting rather than the person saying it. So, I do say "Merry Christmas" to people who I know are celebrating it, but if it's someone I don't know, I say "Happy Holidays"

Season's Greetings...really, I do.

I don't usually say either. I don't really get wishing people either for the whole month of december. I usually just tell people to have a good night/weekend/whatever. And when I think its actually appropriate to use one of these greetings it is like, Christmas day or Christmas eve when I pretty much am only seeing people I know.

But, I guess if forced to make a decision on stranger my default would probably be Merry Christmas. We live in Ohio, which is very heavily Christian. The biggest religious minority are muslims who are easily identifiable via wardrobe.