Someone told me the other day that me cutting up credit cards was stupid. They said that its good to build up credit and what if I need to purchase something on the fly. Then I got to thinking, what could I possibly want to buy on the fly…food maybe, but I can pay cash for that I don’t need to use a credit card. I am proud to say that I do not own a credit card. I urge you to do the same, and cut up your credit cards.