How to Stop Using Credit Cards
We Stopped Using Credit Cards, and It's Not as Easy as You'd Think
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If the thought of cutting up all of your plastic is too much, just start with the store cards. You know, the one you opened to save an extra 20 percent on your initial purchase. These cards often have high interest rates and offer no real benefits after that initial discount.
If you find that passing up an offer to save some money on a large purchase is too difficult, then try freezing your credit. You can go to each of the three major credit reporting agencies and put a freeze on your credit. You won't be able to open up any new accounts unless you lift the freeze, making you think long and hard about whether you really want another credit card. Depending on your state, there may be a nominal fee to freeze and unfreeze your credit, but we think it's worth it.
And as an added bonus, no one else will be able to open a new account under your name while your credit is frozen. Fraud protection? Yes, please!