I am glad you raised this topic.  Pixie, same is my story. Credit card huda hisab na gaare kharcha gareyo, credit history [Disallowed String for - bad word]ed up bho. But now, I am more responsible with my money handling debit and cash only. i don't spend on extra things. It have also gave me sense of responsibleness and I am happy about my act now. I just feel good even though credit history is gone to toilet