When dealing with credit cards it is better, No I mean preferable as soon as possible to stop using them. You need to make a public announcement to your family and friends that you no longer will have any credit cards ever again.
You can expect them to be highly annoyed and it will be like someone died in your family they will receive this news with indifference, and may make comments such as he’s being out in the sun too long.
How can anyone survive without a credit card, surely there must be some law against it, and on and on they will go. This shoulkd be good news to your ears after all consider what all your broke friends are saying and do the opposite and you will be well on your way to getting out of debt.
You need to be courageous and loook towards the future get those sissors out and just keep cutting up those cards, I know you will feel like some serial killer who went completely wacho and is completely out of control, but tell your self the truth YOU REALLY NEED TO GET PLASTIC SURGERY.
You will feel better once it is done, somehow through all the guilt and shame you have set yourself free. Free from the burden of getting that monthly Visa,American express or Mastercard statement with all those pages explaining whatyou spent what points you have( Big Deal) and there at the bottom what your new balance is, What! you scream I did’nt spend THAT MUCH!…
Just think no more anticipation, no more worrying did I pay that last month?. Why are they charging me this amount of interest. You have freed yourself . You are free to go and play and dance and swing somehow the sun feels brighter and the trees and grass look greener.
Your old broke friends will talk about you. He finally went over the edge, Yes the stress was too much No more points for him, he is now on the outside, he is no longer one of the privileged ones.
What happens if he ever wants to book a hotel room, or buy something on-line another will say. What happens if theres an emergency or they only take a credit card he is screwed, I feel sorry for him. He just won’t be able to survive.
But you are not concerned you just smile and look as crazy as you can. They will even whisper to each other look can’t you tell he just had plastic surgery look at the way the smiles all the time and how relaxed and easy going he is it just not natural.
All the time you are looking at this foolish group and thinking It’s a petty they never went to their banks and instisted on getting a Credit Visa Card.
No hidden charges, and you can use it like a normal Visa card except that you don’t get those nasty new balances each month. It just comes straight out of your account.
Easy as pie. Then you begin to learn about the lie that you will be alone , homeless have no friends and he deeply depressed because you are credit card free, and here you are six months later and you are not only still alive ,but you feel less burdened. and carefree.
As matter of fact you truly feel happy, like a great weight or burden has been lifted from you.
Then you begin to realize tha in fact it is true you CAN survive without a credit card. So you and others are postive proof that it can be done. You remembered how they got you hooked on credit in the first place.
It was 4 weeks to your graduation from college and they gave you the good news ” You have been selected and are highly privileged because you are a graduation student this will entitle you to 60 days credit free and just to show you how much we care we have given you a line of credit your new balance is $5000 ( Five Thousand Dollars) Use it on whatever you like you deserve it!.
Why did I fall for that line you and everyone else including all their pets got the message. You are NOT one of chosen few ,one selected special ones it was all a lie. Yet years later you remained loyal to them ,after all it was your first love I mean first credit card.
How hard would it be to give up.
But you did it you had the guts to make the hard choices in lfe, you managed to crawl your way out of debt.
It was not easy, you cried a lot and complained but it was worth it, now you are determine to remain debt free.
You are an example to the millions of others who are chained to their many credit cards, you have turned off the mega ads from large credit companies, that want you to remain hooked into paying them high interest rates and fees.