I am not keeping my own credit card, hubby has one though. Why? Because I have developed this credit card phobia after hearing about a friend who accumulated so much debt because of credit card mismanagement after their orlando vacations last summer.
I think when you have that plastic chip, you have to make sure that you have a firm control on yourself. You have to make it a point that every purchase is necessary. If not, you will surely get yourself in trouble.
Though there are some services offering some help for your debt settlement. Debt Expert USA can make your life a little stress-free by helping you out with your debt problems.
So if you feel like your debts are starting to be a burden too heavy to handle, contact them as soon as the need arises.