Freeze your credit cards.
Literally. Drop your cards into a jar, fill it with water and then set them in the freezer. Then, every time you want to use your credit cards you must take the time to defrost them. In the time it takes to remove the cards from their icy tomb you can come to your senses about the intended use. If the use is a legitimate use then you won’t mind waiting around for some ice to defrost.
Hmmm...frozen credit cards...wonder if we could do that? We usually use only our debit card...I fell like that is better! -S
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