My husband and I had to destroy all credit cards. The card that left was for a mechanic shop and it could be used for emergency. Now we use it for some untimely repair of our vehicle and is on my name. This lessened the temptation of my husband.

We encountered some serious financial problems after marriage. Our credit cards were responsible for it. Almost every credit card company was ringing our door bell to apply for their credit cards. We were both young and had full time jobs and just started our professional life. We wanted our new apartment full of latest gadgets. We wanted all accessories required for the newly married couple. We got all the things even before we thought of them.

We had great credit card balances. We got a loan just to consolidate the payments. This was the end of credit card transactions in our family. We both had good brains, but something was lacking in us. We lost our senses on seeing a credit card. We forgot that the money is not free. We had to pay the money back sooner or later. Credit always comes with interest and this thing was totally forgotten.

We have completed 12 years of our marriage now and with time have learned one or two things in these years. Now , we get credit card only for emergency purposes. It helps us when we have a low cash flow. We have maintained our stand so far as we have come out of the temptation of credit card spending. Better sense has prevailed.

You cannot shop in a great sale if you have no cash in hand. My husband and I are not tempted now. We had lost addiction of credit card and this is because of our past terrible experience. We are often asked about online purchase of credit card. Now we will get the card only if we find the services suitable. You may feel inconvenience without credit card in the world of today and maybe our nears and dears are shocked to find us credit card free. Sometimes, it may not work. We now know to control the passions and desires. Our family is saved from many financial problems. You have to limit your impulse buying and it will save your money in the end.