If you looked in my wallet, you would find three credit cards.  I have a Visa, a Mastercard and an American Express.  These are probably the three best credit cards one can get.  I am very happy with the three cards that I have.

That doesn’t stop the offers from coming in the mail.  They seem very tempting at times.  I’ve got to admit that the 0% credit cards and the cash back credit card offers have had me filling out the application forms.

I keep myself in check, knowing that if I gave in, I could end up with over 20 credit cards in my wallet.  Anything I need can be purchased using one of the three credit cards that I already own.  I have told myself this enough that I am to the point where I don’t open the offers anymore.