Here’s How To Stop Using Credit Cards Forever And Get Your Life Back

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Image of Someone Making A Purchase With A Credit Card

10 Tips To Stop Using Credit Cards

1. Freeze the limit on all your cards today unless you can do tip No.2

2. Pay off your credit cards and cancel them If you can.

3. For credit card that you can’t pay off and close, try and get a consolation loan.

4. Open a line of credit for emergencies and close your cards.

5. Eliminate the points and cash back mentality UNLESS you have the discipline to pay off your credit card in full each much.

6. Understand using a credit to buy everything is a habit that you’re strengthening by purchasing things you don’t have the money for.

7. Create a budget to better understand what you can spend.

8. Create a cash reserve fund so you don’t have to keep credit cards around for an emergency.

9. Figure out how much interest it cost you MONTHLY to use ALL your credit card – The amount will be an eye-opener, you may find a large portion of your income is going towards interest payments.

10. Figure out how many years it will take to pay off your credit if keep making minimum payments – It will surprise you.

A Collection of Web Pages About Credit Card Spending

Credit Card Debt Statistics

Credit card debt hits record high

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Credit card debt statistics – CreditCards.com

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American Household Credit Card Debt Statistics: 2018 – NerdWallet

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Average Credit Card Debt Statistics: March 2019

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Average Credit Card Debt in America: March 2019 – ValuePenguin

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2018 Credit Card Debt Statistics in the U.S. – Lexington Law

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Average Credit Card Debt: U.S. Statistics

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Average credit card debt in every state, ranked lowest to highest – Business Insider

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Average American Household Has $8,284 in Credit Card Debt | Fortune

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How Credit Cards Can Ruin Your Life

3 Ways Credit Cards Can Ruin Your Financial Life | HuffPost

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3 Ways Credit Card Debt Can Ruin Your Life — The Motley Fool

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Credit Cards Are Ruining Your Life And You Don’t Even Know It – Here’s How | The Unbounded Spirit

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Credit Card Help: 8 things you must know about credit card debt – CreditCards.com

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How Major Life Events Can Ruin Your Credit – and How To Fight Back – TheStreet

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Nobody Warned Me That Credit Cards Would Ruin My Life

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Credit Card Alternatives

Credit Card Alternatives: PayPal and More | CashLady

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Can’t Get a Credit Card? Try These Alternative Options – NerdWallet

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Credit Card Alternatives | Chequing Accounts, Prepaid Cards

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Alternatives to Credit Cards | A Guide by Money Guru

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Is this a wise alternative to credit cards? – MarketWatch

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Credit Card Alternatives for College Students | PT Money

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What Happens When You Stop Paying Your Credit Cards

I’m buried in debt. Can I just stop making payments? – CreditCards.com

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Here’s What Happens If You Default on Your Credit Cards

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What Happens If I Stop Paying My Credit Cards? – Debt.com

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What Happens When You Stop Making Credit Card Payments? | US News

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Here’s what happens if you don’t pay off your credit card debt

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What Happens if I’m Unable to Pay My Credit Card Bills? | Capital One

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What Happens If You Stop Paying Your Debts?

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Financial Fridays: Don’t Pay Your Credit Card Debt! – James Altucher

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What Happens If You Don’t Pay Your Credit Card: Consequences Explained – ValuePenguin

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Stopped paying all credit cards except one. Will that one card default? – Paying Off Debt – Discourse

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How To Stop Spending Using Credit Cards

Learn Tricks to Stop Using Your Credit Cards

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How to Stop Using Your Credit Cards

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We stopped using credit cards months ago — here’s how it’s changed our spending – Business Insider

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How to Stop Using Credit Cards | 10 Tips to Break the Credit Card Habit

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How to stop spending money: Tips and tools to help you cut back – MSE

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Credit card addiction: How to break the spending cycle – CreditCards.com

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15 Proven Ways To Reduce Your Credit Card Spending (And Debt) | Pavlok

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10 Ways to Stop Using Your Credit Card

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How to Prevent Yourself from Overspending on Your Credit Cards

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8 Ways to Quit Using Credit Cards

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How To Cancel A Credit Card

The Right Way to Cancel a Credit Card | TIME.com

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How to cancel a credit card without hurting your score – CreditCards.com

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How to cancel a credit card: Do’s and don’ts | Credit Karma

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Credit cards: 3 you can close, 1 you shouldn’t

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What Happens When You Cancel a Credit Card? – The Simple Dollar

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How to Cancel a Credit Card Online in 30 Seconds or Less – The Points Guy

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6 Reasons for a Credit Card Account Cancellation

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Credit Card Debt Horror Stories

42 Personal Stories of Credit Card Debt Hell – CreditScore.net

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My Personal Debt Beginning | The Credit Card Debt Story

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6 terrifying tales from the credit card crypt

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9 Credit Card Debt Horror Stories With Happy Endings

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Credit Card Balance Horror Stories! – myFICO® Forums – 3072102

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More Credit Card Horror Stories

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