An Open Letter To Credit Cards

Dear Credit Cards,

This isn’t an easy thing to say to your pretty, shiny face so I decided to write you a letter. I know I should call or write you, but I just can’t bring myself to look at your numbers anymore (I might memorize them and go shopping online). I’m going to take you out of my wallet and put you away, I’m going to shred all my statements, and try to forget about you. Sure it will be hard when I am jonesin’ for a latte 2 days before payday, or thinking about all the ways we could have fun together, but I have to be strong.

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Credit Cards, you see, you’re just no good for me. I should have known the day we first met and I didn’t even have to pay for you. I should have known when I wanted to live just a little bit beyond our paycheck that you were trouble. I should have written you off those 3 times I paid you off, but something kept drawing me back to you. You have been following me around for 9 years now. We’ve been on and off, but I could just never leave you until now.

Learn more: How To Build Credit Without Credit Cards

You see Credit Cards, you have so much promise, and I can see the good in you, but instead of bringing out the good in me, you only encourage me to spend more than I should with whispered promises of “buy now, pay later,” you seduce me into thinking I can afford things I can’t. It’s only when I wake up the next morning and see what I’ve done that I realize how devious you really are.

I know I’m not the only one you’ve been with, Credit Cards. I know there are others who even now think you can fulfill all their dreams. But I will tell them about you Credit Cards, and I’ll hope that they will listen. You’re just no good, Credit Cards, and I need to leave you.

Learn more: Everything You Need To Know About Credit

Maybe one day we’ll be able to be friends, but for now I will put you in a drawer and pay you off, and forget about you. Something tells me that even though I will miss you this is the right thing to do.

Goodbye Credit Cards,
Kelly

PS. This time I mean it. Don’t try to call or write, I won’t answer.

About Kelly

Kelly Whalen is the founder and editor of the Centsible Life. She started the blog in 2008 as her family faced a mountain of debt and the fixer upper they purchased became a FIXER UPPER. The website was born out of her desire to share what was working (and what was not) on her family's journey to financial security. Kelly lives in Minneapolis with her family.

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