Here's a philosophical question for you. I am on my way out of "sub-prime" credit and am now able to begin negotiating with my issuers on *my* terms, and I've started looking at ways to lower my debt for the long term. In doing this, I ran across the living below your means (LBYM) and consumer/credit boards on Motley Fools (no, this is not a plug for them) and have been amazed at the difference in empahsis there and that here on Creditnet. Even the consumer/credit board there is more LBYM minded - and the focus is on getting credit card accounts closed, limits lowered and ultimately completely credit free. On the other hand, Creditnet folk (including myself) live for higher FICO scores, "better" credit cards, higher limits, etc... and we rarely discuss whether credit cards are good for us in general. I DO understand that these two boards are in place for distinct reasons; it's just interesting how the frugal group there almost never talks the way we do about raising limits and we almost never talk about cutting all cards up for good. Not that I agree with all the advice given on the MF consumer/credit board, but I sure do like the spirit in which it is given. Since charging cards recklessly got me into sub-prime trouble in the first place, I was jsut wondering (since we don't really talk about it here) if others on this board are inclined to get off the credit card wagon (i.e. carrying balances) for good. Are you trying to lbym?