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Myth: The more cards you have, the more extra money you have. Fact: The more cards you have, the more money you will eventually owe.



Myth: No matter how much debt you have, you can control it. Fact: If your debt reaches the point where you are paying most of your paycheck towards it, you will have lost control. The debt will control you.



If you already have a credit card, especially a Mastercard or Visa, you don’t need any others. So any time you get more offers in the mail, you can either save them up for cutting later or do it immediately. Personally, I find that immediately is better than later. And "tell ‘em no" as the offer disappears. You'll love that feeling of power.