So many people are having problems with credit card debt. I was in that position myself. It got to the point where I was paying one credit card with another one. Finally I wan unable to even do that.
About five years ago I cut up my credit cards. It was so hard to do. I thought, how can I live without a credit card? But I cut up every one of them. Now if I need something I pay cash for it. If I don't have the money I have to wait. It is a very freeing feeling.
If I can do it, you can too. Think about the peace you would have.