I need to do this too Dan. DH is so anti it. He uses the card for work. But we only get reimbursed every few months. We never had a CC until he decided he needed one for work. Biggest mistake EVER! I want them gone. I have a plan. I have a budget. But I also have DH. Who can't follow a straight line painted in front of him let alone a financial plan or budget. Harsh? Yes... but if you saw our finances you'd agree!