If you're itching to exercise your credit cards, head to one of two places. College Avenue from Dwight Way to the Oakland border overflows with eclectic boutiques, antiques shops, and restaurants. The other option is Fourth Street, in west Berkeley, 2 blocks north of the University Avenue exit. This shopping strip is the perfect place to go on a sunny morning. Grab a cup of java, read the paper at a patio table, and then hit the Crate & Barrel Outlet, 1785 Fourth St., between Hearst and Virginia (tel. 510/528-5500). Prices are 30% to 70% off retail. It's open daily from 10am to 6pm. This area also boasts small, wonderful stores crammed with imported and locally made housewares. Nearby is REI, the Bay Area's favorite outdoors outfitter, 1338 San Pablo Ave., near Gilman Street (tel. 510/527-4140). It's open Monday through Friday from 10am to 9pm, Saturday from 10am to 8pm, and Sunday from 10am to 7pm.