Why get rid of your credit cards? As long as you pay the balances in full every month, a modest selection of credit cards can easily lower your expenses by 3%,

Why get rid of your credit cards? As long as you pay the balances in full every month, a modest selection of credit cards can easily lower your expenses by 3%, if not more. Why did I? Because it was too easy to use credit, not pay the balance in full. The debt built up. Things got out of hand. And because I really did not like dealing with the credit card folk, even when I was in their good graces. Too much complexity.