I am closing all my credit cards!

😂 another day another closing all my cc due to having no self control  😝

ya its better to close than get trapped in credit card debt 😌

Delete all linked/saved cards manually enter each time leads to less use of credit card personally tried

Over spending hone se kya farak parta hai ?

Time se repay kar dete ho na ? if yes toh phir wohi bahut hai.

Congratulations

solution PLEASE TRY the following AND THANK ME LATER

START PUTTING BUDGET DAILY IN EXCEL at the at of the day 

THIS OVERSPENDING WILL NEVER REPEAT AGAIN

will your name also change to "no_cards_baba"

Just a little self control with timely payments and a credit card is such a great tool to manage expenses and earn cashbacks. It's hard to see that people still don't realize it. 😌

While closing give them card closing dhamki and convert them to ltf cards

Credit score will certainly have adverse impact. One question " there is time when one think life is not worth. At the times of childhood it was good" . Then what to do. Stop everything? Nahi na!

People tends to move from one extreme to another. I suggest just staying wherever you are and start observing your actions.

at my place most places reject card upi not sure how to reach overspending wit it.

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also just set limits in card control or disable transactions and close them systematically. in my opinion don't close better ones like sbi cb, millenia or apau. tata neu and other random cards you can close over time.

Keep any one credit card which is oldest 

Even me wanted to close but who will pay outstanding...??

One thing totally agree .. these linked rupay credit cards definitely amounts to overspend instantaneously....

But closing all the cards might not be the ultimate solution...

Yes, the sudden closure of multiple accounts or over a period of a short time will seriously impact your credit score.

Although there is no better solution than self-control, there are a few tactics you can use:

1. Start budgeting.

2. Track your expenses, each and every one of them, in Excel preferably.

3. Know your spending budget and keep checking the unbilled spending every few days. If you have more than one card, use cred to see unbilled spends together.

4. Modify the spending limit on cards. You have a limit of lakhs but if you wanna spend only few thousands, modify the spending to the same.

Make sure to not go over budget, irrespective you have 1 or more cards, unless an emergency.

I need to close 3 to 4 cards

I want my sbi click to be converted as LTF , any way , if i ask them to close or give it LTF , is it ok

How can you close all cards - have you repaid everything and have zero balance? In that case you are lucky.

You should definitely keep the cards with highest credit limit for emergencies - you never know when you might need them.

From what I've heard from money management experts, dealing in cash is the best way to combat reckless card use

Don't you dare to close any of them. It is cuz of people like you people like us who are highly disciplined are able to enjoy cashback. 

Iam planning to close atleast one of my 8 cards here, but couldn't find a reason or drawback in any card

Happy new year bro

i had closed many cards i have.. but not completely

Hi OP.. Your finances are more important that your credit score.. If you cannot moderate and overspend on credit cards, then get rid of em..

Good decision. Credit card debt can rise exponentially, if not checked. This is a game not everyone should play. 

i have to buy geyser

Time waste

First try closing down accounts like desidime, amazon, flipkart. That will sort out your most of the overspending issue.

If that does not work, then switch to old nokia button phones and remove home wifi.

Hope that helps 😄

Don't chase clout, do it and chill

Be a Bro who...makes friends so he can use their credit card..