Well, I just cut up one of my “emergency-use” credit cards. It was a small credit limit card, a high APR, and frankly made no sense for me to be carrying around it other than as an “oops protection device” while I was still just a poor college sap, that could save me. Now that I’m an engineer, though, it seemed silly to keep it down and depress my credit rating just to have a spare card I could use in oopsies. With a greater cashflow, I should be able to manage my finances just fine.
Fiscal responsibility? What is this? Quo vadis?