If you’re undisciplined, simply avoid credit cards. Destroy them to avoid temptation.
You’re the best person to know your strengths and weaknesses. So be honest to yourself and take all means necessary to improve your bad credit situation.
Only One Card For Emergencies
Don’t just destroy your credit cards by cutting them in small pieces; also take time to call all financial institutions implicated to cancel out your credit cards. Remember that you will still have to pay your balance afterwards.
First get rid of department stores’ credit cards with outrageous interest rate.
You could keep only one credit card for emergencies. Be sure to choose a card with a low interest rate and that is generally accepted. It’s also a good idea to reduce your credit limit on that remaining card.