texastreasure said: For a while I used to keep mine at home whenever I'd go shopping and I would take cash with me. I was in a very embarassing situation once though where I was at the grocery store and the bill came up to be $126.53, all i had was $96 on me and I had to put things back and there were people waiting in line also. After that incident I decided grocery shopping is meant to have a credit card.

Stormstar878 said:

texastreasure said: For a while I used to keep mine at home whenever I'd go shopping and I would take cash with me. I was in a very embarassing situation once though where I was at the grocery store and the bill came up to be $126.53, all i had was $96 on me and I had to put things back and there were people waiting in line also. After that incident I decided grocery shopping is meant to have a credit card.

I can totally relate to this as well. I actually only had a debit on me and being a student at the time, I had very limited funds in my bank account. I tried to stay within my budget but with all the taxes, I went over $14. The card kept getting declined over and over, and finally I just had to go through and remove the items I least needed.

I haven't had to cut one up, but just this weekend I wanted to order something online and I really had to stop and think if it was worth my money because I'm really broke right now because I'm living on my own and trying to pay for school. I even filled in my credit card info but there was an error on the page so I figured that was a hint not to buy. I feel good about my decision.

sadiaa_3 said: I heard about a couple on the news who had over 16 credit cards and cut them all up.  This isn't smart at all to have access to that much money.  Also, a lot of people in need of cash, have taken out loans to pay for things, and even will take out loans at 99% interest rate.