PCT Thru Hiker

It’s hard imagining life in today’s world without a credit card. Why, since I cancelled my American Express credit card, I have been unable to partake of a wide variety of goods and services, and that is no joke. Some of the basic things I took for granted were lost to me, even the simple act of buying a plane ticket to Florida. It wasn’t that long ago when cash spoke volumes, but not anymore.

Using an American Express, Visa or Mastercard has become commonplace globally but we do it without thinking, do I need this and do I have the money. You cannot escape though, as the price is high when using your American Express credit card and buy it now, pay tomorrow philosophy. Credit card debt is mounting everywhere. In America it is true to say that credit card debt is probably one of the biggest problems facing us.

I couldn’t think of any other alternative but to get rid of my American Express credit card. I found it too easy using my card and spending money that wasn’t mine to spend. Before too long as the spending started to spiral out of control I had to admit that I had been charging everything to my card irrespective of what it was. Panic kicked in when I found I could no longer pay the debt.

To get my debt back into a position where I could pay for it I resorted to using a debt refinancing company. This is not something I ever want to happen again. It took some time but the American Express credit card has gone and so has my debt. Don’t think I am making excuses when I blame my credit card because you are not taking into account basic human psychology.

When I had to pay with everything in cash, I would know just what I had at any given time. As I said before, credit cards make the cost of things misleading because you don’t take any notice. I would spend money on everything, almost like a person possessed but before long, there wasn’t anything left. Now, there is no longer a problem because there’s no longer an American Express credit card.