The Secret to Having More Money: Cut Up Your Credit Cards

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Cutting Up Your Credit Cards and Get Rid Of Your Debt!

In the credit counselling industry in the past, counsellors have often adopted cutting off their customers’ credit cards as an action for many people looking to limit their spending. However, privacy concerns about the content on the collage cards have caused this custom to fade away. Until now, the concept of card tearing is used as a powerful symbol and as a practical move to face overspending.


Shredding your credit cards is a great way to start paying off your debts. You’ll be amazed at how much money you can save, and how quickly your debt will go away.

You have to tear up your credit cards. You will feel an incredible sense of relief, and your resolve to never use them again will be as solid as the rock beneath your feet.

You are not cancelling your credit card by closing the account.

With a credit card, it is important that you understand its usage as well as how to use it correctly. Only use a card when you need to use your account’s available credit.

If your credit card issuer sees that you haven’t used your card in a while, they might offer you a new one for free when your account comes up for renewal. A replacement can also be ordered at any time, although there may be a charge.

cutting up your credit card

Cutting Up Your Credit Card Has a Symbolic Meaning (psychological effects)

To some extent, shredding your credit card works as a strong symbol. When you halve your card, you’re making a strong statement about the direction you’re taking with your credit.

Cutting your credit card is also acknowledging the fact that you’ve come to a place where you need to make a change. You have long admired the plastic card for its convenience and reliability. Getting rid of it means you are ready to achieve a more stable and profitable long-term financial plan in exchange for self-discipline and delayed gratification to your urges.

Cutting your credit card private is still a form of self-expression. On the other hand, including others can enhance the impact of your actions on yourself. Your friends, family members or advisors who are there will become witnesses to your promise when you make statements like this. According to the testimony of these people, you are responsible for keeping the promise to yourself.

If you want to get yourself on the right track, try posting your pledge to fall back on social media. Cutting your credit card in front of your entire social community shows that you will be asked a lot about your progress in the future. It’s hard to give up when you have such a goal in mind.

Cutting up your credit card is a great way to limit your spending.

You will no longer be able to use your plastic card to make in-person transactions if you destroy it. While internet transactions are growing increasingly frequent, the great majority of purchases are still performed face-to-face. No matter how many times you purchase online or in stores, you’re still likely to visit a grocery store, gas station, several coffee shops, several restaurants, a movie theatre and a few of department or discount stores each week.

With your credit card in hand, you are tempted to make a purchase at one of these businesses every time you stop by one of them. Cutting up your card prevents you from using it at many, but not all, of these retail establishments. It’s important to take extra precautions to ensure that your card is never used for any kind of payment, though.

The digital analogues of your plastic credit cards must to be shredded as well. If you have an account with any online retailers, such as Amazon, eBay, or iTunes, you should delete your credit card information from those accounts as well. If you’ve ever used a digital wallet or mobile payment app, even if it was only once, you’ll need to delete your credit card information from those accounts. These include services such as Apple Pay, Google Pay, PayPal, Samsung Pay, etc.

Besides, see if you have any photos of the card saved on your phone. A digital security app will require you to erase your card number.

What’s the big deal about removing your credit card number from the internet? Having to reduce your credit cards is a sign that you’re having trouble reining in your consumer expenditures.

If you want to substantially reduce your card, you must eliminate all options to utilise the card before you do.

Finally, you might terminate your credit card account in order to prevent the risk of overspending on your card. Your credit rating will take a serious hit as a result of your decision. Close your account and the credit card provider will also modify the status of the account on your credit report from open to closed. An account that has been closed won’t provide you any new possibilities to establish credit, but it might still have an impact on your credit report and score. Any excellent “balance over limit” percentages you had before closing the account are gone when it’s closed.

A good credit rating can be significant, but it may be less important than eliminating your consumer spending imbalance for the purposes of this post.


To begin the actual cutting process, you must first determine where to do it (alone, with family or friends, or on social media) and then decide how you will do it. When executing this ritual, keep these things in mind:

Use a pair of scissors that are powerful enough to cut through the material. If the blades of your scissors slide and grab your finger, you might be in for a nasty surprise (s).

Take a pair of scissors and slash across the security chip on your credit card (the square on the righthand side of your card when looking at the front).

Before cutting up and down, cut through the card account numbers (straight across) to ensure that only one or two complete digits are visible.

Many people have tried bending the card back and forth. Even if you’re able to bend and break your card into four parts, you’ll likely leave your ID chip intact and your card numbers exposed if you do this.

This method of cutting your card will ensure that you are cutting across the magnetic strip on the back of the card. This strip holds a lot of information about your card, so be sure to cut it into many pieces before discarding it.

It’s also a good idea to throw the cut-up card into numerous trash cans at home, at work and throughout your neighbourhood, as well. Only about 20 or 30 pieces are likely to come out of your efforts. If a dumpster diver stumbles discovers your plastic mess in your garbage, it’s not a difficult puzzle.

What’s the best option? Dispose of your card in a cross-cut shredder. Even the smallest, most inexpensive shredders can handle a single credit card.

You also have alternative ways…

When it comes to ripping up your credit card, it may not be the right time. It’s also possible that you’re looking for a solution to stifle your own impulsiveness when things become tense. If that’s the case, you might want to think about a few alternative possibilities before of tearing up the card.

You may also freeze your cards in a small cup of water until they are solid, then remove them from the water and place them back in your wallet or purse. After that, you may take the card from the cup and store it in a plastic freezer bag for long-term storage in the freezer bag of your freezer or better yet, the bottom of your backup exec.

Work and time will be required to unfreeze your credit card in the event that you face an actual financial emergency, which will prompt additional consideration of the transaction and whether or not it is actually an emergency…. However, there is no assurance that this strategy is going to protect you from overspending. Hairdryers aren’t the only tools you’ll need. At the very least, it’s worth attempting.

If you don’t have a place to store your credit card, you may want to consider locking it up. Entrust the safe’s key with the most trustworthy family member or friend you have, if you have one.

An alternative method is to keep it in a bank or credit union safe deposit box across town; although monthly fees may negate the savings you’d otherwise get.

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