My family staged an intervention to get me out of credit card debt back in January. One of their actions was mandating that I cut up all credit cards currently in my possession.
Upon hearing that I got a new credit card a couple weeks prior - a $10k-limit 0%-interest card from State Farm, and that I had already racked up a balance, Mom told me she would stop talking to me and block me on all forms of communication. At least until I brought my balance to zero again. It didn't matter to her that it was a 0-interest card for the first 18 months.
Then my sister, who lives half a block away, made me cut up all my credit cards. She also made me delete them from my Google Wallet and call their companies' customer service lines to have those accounts canceled. She told me to do this or else she would block me as well.
Because I wanted to get back on speaking terms with my mother quickly, I withdrew a few thousand in savings from my ABLE checking account to pay off the entire card balance. (I only had a balance on that one card, thankfully.)
Then when I told Dad and my sister that it's been paid off and I don't have a balance on any CC anymore, they happily let Mom know and she started communicating with me regularly again.
They decided to really put the foot down on my finances for the new year. Mom also then had me subscribe to a yearly Ramsey Premium package for $79.99 in order to enhance the EveryDollar app and access premium Dave Ramsey content. I also got to enroll in a free Zoom class with a Ramsey-certified financial coach as part of that package, and Mom enrolled in another section intended for retirees.
I have over a thousand saved up across a few checking and emergency funds now, and still don't have any new CC debt.
2 credit cards were still on the way in the mail. I decided to keep them in a corner on the lower deck of my coffee table. They're still dormant with a zero balance, but I'm not interested in lowering my credit score by canceling them also and reducing my credit utilization ratio.
I had over $50,000 in all lines of credit combined at one time before they were all cut up and canceled, and I was collecting many sorts of credit cards just to maximize my credit score, and for just-in-case.
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