You may be contemplating whether you should cut up your cards or not. In this article, we will discuss three reasons that you need to consider if you personally need to get rid of your cards. It is very simple to analyze whether you should not, but many people have trouble doing so. This trouble is usually stems from a habitual pattern that you have been used to for a consistent number of months or years.
The first thing you must consider is if you are the type of person that usually tries to live above and beyond their means. If you are one of these types of people, you definitely need to cut up all of your credit cards, at least for a while. If a smoker is trying to quit smoking, they must get rid of cigarettes 100%. If an alcoholic is trying to quit drinking, they must get rid of alcohol 100%. For a shopaholic and someone who loves to spend, they must also get rid of every single card they own.
The second thing to consider is what the world was like before credit. If you are old enough to remember back when there was no credit, you probably know life one on every day just fine. It all boils down to what we human beings get used to doing with a habitual pattern. This pattern is something we become comfortable with and continue doing every day. There are plenty of people that make ends meet and do so just fine without any credit card whatsoever. If you can remember what life was like before credit, this may help you realize life will be okay without a credit card.
The third thing we’re going to discuss is probably one of the hardest for all people. It’s a simple question. Do you trust yourself with a credit card? Do you have to be really honest with this question and not lie to yourself. If, and only if, you can trust yourself with a credit card, and you should keep one around for new purchases that you can pay off at the end of each month. You should also consider just getting one credit card, maybe with a reward points system, and cutting up all of your individual credit cards. There is really no need for any one person to have five or 10 credit cards. Shop around and find one good card you want to keep.