I cut up the bank cards but I make money using my credit cards.

I get 3% rebate on gas and 1% on everything else.

I get 5% towards a new GM vehicle with limitations. I got $2000 off of my pickup and my wife got $3000 off of her Montana. $2000 off of the one before that.

All of the rebates are from just buying things that I would buy anyway. I don't buy anything special to get the rebate.

All I have to do is pay off the entire balance at the end of the month.

I also get a record of what I spent where and I have a better chance of getting a refund on something that does not work or breaks or even if I just don't like it.

It just takes discipline not to buy things you can't pay for at the end of the month.

I can order things online easily, I get an excellent credit rating.

What's not to like?

Credit card companies call people like me that do not carry a balance, deadbeats.