M
I did have issues in the past where I let it run up, loans to clear it, let it run up again etc.
Mrs D.
I'd agree with this. In fact reduce it even further if you find it difficult to resist "temptation" and restricting the card to cashflow management (clearing the bill on time every month) rather than medium/long term borrowing. If, even then, you cannot resist "temptation" then maybe just bite the bullet and live without it in spite of the hassles that this might cause.Reduce your credit limit, I reduced mine to €1000.
Yeah - I've been through the "wallet biopsy" myself over there a few years back...I had an accident in the States earlier this year and the only accepted form of payment in the Emergency Department was my credit card.
What I want to know is can you manage without a credit card?
You'll do well to book a hotel room in this country without a credit card.
I am self employed and up to date on taxes and bills. So you would think I have a good credit rating?
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