Credit card issue

It is no secret that I have been going overboard in buying gagets for myself with credit cards, and eventually I was faced with the severity of my resulting debt. While I may not disclose the exact amount of what the amount is I can say that it wil take a number of years to pay it off. With this understanding I had cut up all of but one of my cards which was to be used only for emergencies. For a good while I began to rely solely on cash for all my expenses and adapted my spending habits accordingly. Despite the financial limitations of my checking account, I made an effort to press on diligently.

However, after a period of time I became tempted by more things to buy and inevitably gave in with no hesitation. I even went so far as to justify the means by way of any applicable return policy: as long as I could return the procuct before the given amount of return time then it would be as if I spent no credit at all. Being in this warped frame of mind only allowed my spending habit to come back at full force and I got myself into more debt. Originally the plan was to buy an item, test it out, return it for the refund and then buy another gadget with the refunded credit; basically a complex consumer exchange program a.k.a. CCEP. The CCEP was supposed to be full-proof but there was one problem: my impatience.

Upon the increase of my debt I have recently decided to cut the final card in my possession. I don't even have a card for emergencies anymore and it's all due to my lack of self-control. Since cutting the card and flushing it this past Friday I found out one more piece of information: my credit card information was saved to the Amazon.com site as a default payment account. Before deleting the information, however, I made one more purchase of another gadget. I saw it as my last hurrah before biting the bullet of my credit consolidation and my cash reliance on future purchases. This just goes to show how serious my problem is and I need to get control of it quickly.

Looking ahead into the future I hope to consolidate all of my own credit card debt into one bank loan at a low interest rate.

I honestly have been going through withdrawal from the instant gratification on buying tech toys on credit, but it's all for the best.



TRENT
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