After watching Confessions of a Shopoholic, one quote stuck with me- "Instead of a relationship with my credit card, I have a relationship with someone who loves me back." I didn't expect to learn anything from that movie, but when I am bored and tempted to online shop, I remind myself of that quote and it helps me kill the urge to use the card!
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I have about $40,000 in credit card debt, yet I was still using my credit cards. I know- not very smart. This week, I decided to get smart. I shredded all of my credit cards! It felt great and now I know that I am literally unable to add to my credit card debt! I will continue to pay my bills on time and try to pay more than the minimum due. 410
If given a choice by your credit union (avoid for-profit-banks, go with credit unions), choose a fee free credit card over a debit card. Debit cards draw directly from your money, and if pilfered can wipe you out; whereas, credit cards you are usually limited to a $50 loss if reported right away.
Credit cards also cover you in case you have a dispute...We were able to avoid a several thousand dollar loss on a trip when the cruise line went bankrupt right after 9/11. Had we paid by debit card, it would have been our loss. Thanks, American Express !
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