Credit Cards

When I was younger I would keep all of my gift cards because I wanted to fill out the slots in my wallet... you know the ones that now hold your id's & credit cards etc?

I miss the days when I'd scramble to try to fill in the slots the wallet. Now, I have to pick and choose what cards I wanna take with me... and every month I get more and more credit card offers!

I currently have 3 credit cards. I don't know why but Capital One sent me two cards. One has a 17% annual interest rate, the newest one has 6% and a higher cash advance amount but they still have the same credit line. What am I supposed to do with the other one???

I don't know why people say having credit cards makes you spend more. The thought of having bills send to me at the end of the month makes me spent MUCH less! I don't like buying things I can't afford and I definitely don't like being in debt. I just got credit cards this year and I'm so used to just paying cash for everything. Buying something and never thinking about it again... with credit cards, u buy something and u keep getting reminded about it for months! Sheesh. Talk about buyers remorse.

I charged all of my expenses on my cards for one month to start building credit... and couple weeks ago just paid everything off cause I got tired of being constantly reminded of all the crap I waste money on again and again.... and again! Plus, I don't understand why I'm paying interest for stuff I can afford... just to build credit that I don't need cause I don't buy shit I can't afford in full anyway. Ergh! Blah.. credit card companies are evil.