Tough Love Techniques to Stop Using Credit Cards

Lots of Americans are burdened by substantial credit card debt and poor cash flow.  This combination causes these debtors to make only minimum payments on the card balances.   On top of this, the cardholders struggle with the willpower needed to stop using the cards.  Most understand that they should stop using their credit cards but find it difficult moving from knowledge to action.   Accordingly, other techniques must be used to prevent the continued escalation of the card balances because simple force of will is not going to work.   In other words, the cardholder must apply a “tough love” technique to himself or herself to break the card use cycle.  What are some of these self-administerd tough love techniques? Read more