[greyfox]

So that’s the secret, “stop spending” how simple.

[4yearlurker]

IMHO yes. That simple. When my daughter went out on her own and landed a good paying job she was receiving credit card offers in the mail daily. I told her here's the whole secret to credit cards: “One.” She still only has one card that she pays on time,pays the balance way down and has high end limit.