Credit cards can bring huge debts. Credit cards are really convenient because you do not need to worry about not having money during an emergency, just swipe that piece of plastic and everything will be fine. We may frequently buy groceries and pay bills on credit, paying the minimum monthly payment while still charging on the credit card each month. This will lead to the accumulating debt and an endless cycle of depression about not being able to pay even the minimum payment.

What people need to do is to cancel their cards. But if you need to keep one around in case of an emergency, these are a few ways to reduce the urge of buying anything with your card.

Don’t use more than one card
There is simply no reason to have three or even six credit cards. You should only use a single card, preferably one with the best interest rates and use it only in an emergency. People usually apply for more cards when they reach the limit of their previous cards, if you are in this situation, you need to immediately stop the cycle.

Lower your credit limit
Most credit card companies continue to progressively increase the credit limit on your card. But it does not mean that you should accept it straightaway. Call the customer service to give you a fixed credit limit and if possible lower your current credit limit. A low, fixed credit limit will prevent you to spend more.

Use cash
Most shops and gas stations that accept credit card may impose high interest and fees. There is no need to pay with a card, if you can pay with cash. The convenience is not worth it if you are accumulating credit card debt which attracts hefty interests. Remember, the more you use the card, the more interest you need to pay.

Leave credit cards at home
When you leave your home, leave your cards at home or tell someone you can trust to hide them somewhere.

Shred your cards
If hiding your cards isn’t enough, you may need to physically shred them. Also if you keep you credit card number somewhere, you should erase and burn it, hopefully you haven’t memorized it yet. But if you have memorized the number, ask your card company to issue a new one. This will effectively prevent yourself from charging the card while you are struggling to eliminate your debts.