I haven't had a credit cards in a very long time. I don't have a spending problem, its my husband who has a spending problem. its the curse of being born with a silver spoon in ones mouth. He was never taught how to handle money, how to live on a budget, or any of the other things that were ground into my head as a kid. He has improved. It took almost two decades to reach that point and he still needs a lot of work. Truthfully I would rather do without credit cards. I'm not comfortable spending money that I don't have. If more Americans felt that way we might not find ourselves in the situation we are now in here in America.