I love these commercials!
But what does it have to do with the post?
Well, if you remember back in October 2008 I cut up all the Credit/Store Cards in my wallet. I know that some other people did the same, too. I wanted to let you know how its worked out.
Stores don’t need your Physical (store) Credit Card
I can simply punch in my Social Security number into the credit card processing machine, have the store clerk verify the account information with my driver’s license, and Wha La! Sign for the purchase and there is your receipt!
Or if you are using a regular credit card like a Visa or MasterCard then you learn to shop online (love Amazon) where your information is already stored for future purchases.
Defeats the purpose of cutting or freezing the credit card doesn’t it?
If you don’t use credit, I want to know what works for you
DH and I have reracked credit card debt in waves throughout our debt repayment journey. I find it difficult not to use my credit card, especially during the want-to-remodel-during-the-spring mode. If you’ve been successful in not chosing not to use your credit card(s) how to you keep the discipline?
Do you keep a big Vision Board posted to the back of the bedroom door? Do you tape affirmations of success on the bathroom window? What is it you do to keep yourself and your credit cards in check? Or does using your debit card do the trick (kind of gives you the slight satisfaction like your using a credit card)?
Or is there another way?
Have you learned to effectively discipline yourself in keeping your credit card spending under control? Of course, I am in the process of paying back alot of debt so I don’t want to use my card at all. But I would still love to hear your thoughts on effectively keeping your spending under control.
Oh my credit cards are still not in my wallet (except for one emergency card that I have not used). Along with:
What’s in Your Wallet?