One of the most radical and dramatic ways of doing this is to recommend that cards be cut or returned to the merchants who issue them, as it is usually the banking institutions that attack the weakness of individuals. This is of course an extreme and generally difficult step to make, but very necessary when the amount billed to the card is phenomenal and there is really no viable means available for you to clear the amounts in the near future .
Create discipline habits
However, there are some tips that can be used to create discipline habits when using credit cards and the following should be considered:
Keeping credit cards out of easy access, is a way to limit its use. Leaving credit cards at home while shopping will help you realize the enormity of purchasing power that has been severely limited. This will also give you an overview of possible frivolous expenses you have spent in your past.
Credit card facility
Without the use of the credit card facility, you will now be forced to make purchases using money and this can be a real exercise of discipline for you, as it will help you control your expenses.
Seeing that money decreases as the purchase progresses, frivolous purchases will no longer be part of your buying habits.
Examine past spending habits
Making a conscious effort to examine past spending habits and essential purchases will help you better understand where “money” was going and ultimately learn to avoid those purchases in your quest to reduce unnecessary expenses.
Avoid planned outings that revolve around shopping sprees or at commercial locations. When there is no temptation to shop, there are no unnecessary purchases, contributing positively to efforts to curb the use of credit cards.