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  1. #16
    Totally Purse Obsessed
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    Default Re: cutting up the credit cards tomorrow...

    YOU CAN DO IT

    I'm feeling your sadness This 1 Chick. I had to do it 5 yrs ago, and it's really hard. But it's so worth it. Now I just use the CC in case of emergency, and save my money for the things I want, and it makes me appreciate them so much more. :hug:

  2. #17
    RM Ticked Off!
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    Default Re: cutting up the credit cards tomorrow...

    i did it!

    AFTER:
    09102008166.jpg

    Don't want to post BEFORE pics for security reasons... I'm paranoid.
    Wishlist: get out of debt

    so totally :banned2:


  3. #18
    \(^.^)/ Jennifer's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Oh pretty, lol. It looks like a piece of art

  4. #19
    RM Ticked Off!
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    Default Re: cutting up the credit cards tomorrow...

    ^ lol

    i feel liberated....... now i just have to work on that debt.
    Wishlist: get out of debt

    so totally :banned2:


  5. #20
    Official Bagista Jiezell's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Congrats! Now the cards are gone for good! No more swiping!

  6. #21
    Karen linvline's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    congrats!!!it's a good start to get out from the debts, now move up to 2nd steps

  7. #22
    Totally Purse Obsessed Arianne12's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Congrats!! I cut up my cards a couple of years ago and have one for emergency but of course, I've used it for more than emergencies! I keep telling myself I'll pay it off, but instead have put money away in savings. So really, I'm paying all that interest, which is kinda dumb! At the moment I've got a bag on layaway and I do need to get a tote to replace one that I sold. Then I'm on a ban til next year! I should appreciate the bags that I have right now. Let's support each other and stay strong. I'm going to edit my signature to remove stuff off my wishlist right now!!

  8. #23
    I am now LVholicmum juicyholicmum's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    wow you guys are so brave... I should stop too...

  9. #24
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    Default Re: cutting up the credit cards tomorrow...

    i still want the MbMJ Totally Turnlock Faridah but i'm okay for now...........

    and just think that you can still admire the bags from afar!
    Wishlist: get out of debt

    so totally :banned2:


  10. #25
    Karen linvline's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    back few years ago i was kinda out of control too, so i called up the credit card banks, cancelled all the card, it was very hard to live after that but i took it as a lesson, never spend the future money which you don't even know how to pay back.

    for 3 yrs, i lived without credit cards. and until recent;y, i think i have better control and i had applied 1, just for emergencies. and Now i have 3 credit cards, but i treat them as debit card, once i swiped it, i pay off right away. I also called the bank not to increase my limit, so that i wont over spend. The limit will be in the range that i can afford to pay off.

  11. #26
    Totally Purse Obsessed Arianne12's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Quote Originally Posted by juicyholicmum View Post
    wow you guys are so brave... I should stop too...
    it feels good after making the decision! i think we can do it!

    Quote Originally Posted by this1chick View Post
    i still want the MbMJ Totally Turnlock Faridah but i'm okay for now...........

    and just think that you can still admire the bags from afar!
    Absolutely! you may want it, but you don't NEED it!

  12. #27
    I am now LVholicmum juicyholicmum's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    I have to really want to stop for me to be able to..... I'm finishing up my layaways and stopping too....

  13. #28
    Fashionista lrc123's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    I hope it all goes well and bonne chance. Just don't actually cancel your cards, because it will hurt your FICO score.
    Us girls we are so magical, soft skin, red lips, so kissable.

  14. #29
    RM Ticked Off!
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    Default Re: cutting up the credit cards tomorrow...

    just one thing for you ladies who are also going to stop, make sure you approach your credit carefully. check out CreditBoards.com - Credit Help, Credit Repair Tips, News, Forums because there are certain things you SHOULDN'T do in order to keep your credit score intact. for example, don't EVER file for bankruptcy unless your situation is dire. also, credit counseling can and usually does affect your score. see the link for specifics -- i used to be on that forum all the time and it helped a lot but it can also be tempting to open a new card.
    Wishlist: get out of debt

    so totally :banned2:


  15. #30
    Karen linvline's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Quote Originally Posted by lrc123 View Post
    I hope it all goes well and bonne chance. Just don't actually cancel your cards, because it will hurt your FICO score.
    yup, i knew but that time i thought it will be the best choice. After the cancellation, my credit score was lowered and i wasn't qualified for new card for years. But then i worked on my credit score and now i'm totally good.

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