Unrelated to the OP's Credit Card discussion, but relavent to your comment on throw-away culture...I recently discovered the "Worn Wear tour" from Patagonia (ht

Unrelated to the OP's Credit Card discussion, but relavent to your comment on throw-away culture...I recently discovered the "Worn Wear tour" from Patagonia (https://www.patagonia.com/worn-wear.html https://www.patagonia.com/worn-wear.html). They have an instagram account with some really beautiful photos of heavily abused/loved garments that have been repaired rather than thrown away (https://www.instagram.com/wornwear/ https://www.instagram.com/wornwear/). Worth looking at as a reminder that your clothes (and other things) tell stories about you. Getting rid of something because it's worn or damaged also gets rid of that story.