Chapter 45 ★Forty-three only keep one credit card

My husband and I had a total of nine credit cards when we decided we wanted to live simply.We don't need nine credit cards at all.We don't even use nine credit cards, so why are there so many?We can't figure it out ourselves.That's how they came, making us feel like nothing more than a few extra bills in the mailbox.In this case, it is not difficult for us to have an extra credit card or two.But who knows if we need it or not? In fact, we only use credit cards when we go out for dinner and travel. Usually, we pay off the credit card bill in the same month.Not only is it a hassle to have a credit card, but we also have to pay an annual fee of $25︱100.

This situation of having too many cards is when I want to clear the junk mail in the mailbox (method 26) and I realize that I should only keep one credit card and return all other cards. .This will be my further discovery of simplifying my life.By doing so, not only the number of letters in the mailbox has been reduced by more than half (in addition to the routine loan repayment notice, but also many promotional advertising letters), it has also saved us hundreds of dollars a year. The hassle of carrying and changing credit cards. After reaching this conclusion, we canceled all but one credit card.We chose to use a credit card with a cheaper annual fee or no annual fee, and we also chose a card-issuing bank that is more favorable to us in terms of interest rates.In the end, we chose a credit card that pays off the bill every month without annual fees and interest.Now, what we have is a credit card with no annual fee that is easy to carry and use.

It took me a little time to get this done, and in the end, we finally enjoyed the convenience of only one card.As long as there is one more card, there will be trouble with one more card, which far exceeds the value brought by one card.So keep only one credit card!