How to Stop Using your Credit Card
Are you the type of person who will use a credit card if they have it with them? Not having any self control can be very dangerous. There are many ways that you can put an end to using your credit card even if you are tempted to do so. Here are five tips that can help keep plastic out of your life and your finances in better shape:
1. Cancel your credit card. Even though this may have a negative impact on your credit score, this is the best way of making sure that you do not use your plastic going forward. When your card is gone there is no way of using it.
2. Don’t want to cancel your credit card because of what it may do to your credit score? In this case, simply shred or freeze your card. This will leave your account open, but will make your plastic useless.
3. Don’t take your credit card with you to the store. Do you have the will power to leave your card at home? If so, this is something you should definitely consider doing. When you leave your card at home you never have to worry about losing your mind and going on a crazy buying spree.
4. Reward yourself for good behavior. For instance, with each month that goes by without using your credit card you can go out to a nice lunch or dinner. When you know you are getting something in return you will have a better chance of success.
5. Just say no! You are well aware that abusing the power of your credit card is a bad idea. Instead of all the tricks listed above, just tell yourself that you are not going to use your credit card because it is bad for you and your finances.
