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Sometimes you have to wonder how we ever existed without the credit card. Why, since I cancelled my American Express credit card, I have been unable to partake of a wide variety of goods and services, and that is no joke. Just ordering some clothes over the internet wasn’t possible and how basic is that in today’s world. The old days of cash being king are gone.

It’s all very well using your Mastercard, Visa or American Express Card anywhere in the world but it is often for things you don’t actually need and with money you do not have. Although American Express credit cards are a really convenient way to make a purchase - get it now and worry about it tomorrow - it does come at a heavy cost. Unfortunately, credit card debts are mounting in many places around the world. Today, credit card debt is one of the biggest worries facing us in America.

That is one of the main reasons why I had to cancel my American Express credit card in the first place. I was getting out of control with my spending because it was just so easy handing over the card. Everything went onto my card and it didn’t take long before debt went out of control. I was in a right state when I finally admitted that I couldn’t pay the debt.

I actually had to go through a debt refinancing service to get my credit card debt into some kind of shape where I could hope to pay it. The whole situation was a nightmare. Now, however, the debt is paid off and the American Express credit card has gone. Most people that have never been in this situation will think I am making excuses blaming the credit card but they are missing something important about people.

When I had to pay with everything in cash, I would know just what I had at any given time. Credit cards make it too easy, especially because you rarely look at the cost. Spending money like it was going out of fashion and it didn’t take long before it was gone. I no longer have an American Express credit card problem!

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