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Should I freeze my credit cards in a block of ice?

If you're reading this blog -- and considering the unthinkable thought of freezing your credit cards in a block of ice -- then you're probably struggling with some debt problems. In fact, many people try and fail to curb the impulse to use their credit cards at the drop of the hat, but the odd strategy of putting your credit cards in a block of ice just might work.

The idea behind this strategy is the fact that -- if our credit cards are readily available -- we might buy something on a whim and have little self-control over the decision. However, when the credit cards are trapped in a block of ice, a delay will be required to get to them. In fact, it usually takes long enough that by the time the cards have melted, you probably won't want to buy the item in the first place.

This strategy may be a little better than canceling your cards or cutting them up with scissors. Mainly, it recognizes the utility of having credit cards available in times of financial emergency. Why cancel or chop up the cards when you can simply put them on ice?

One person reported that she successfully used this strategy to avoid putting charges on her credit cards for a year.

Unfortunately, if you're in the throes of a seriously difficult debt challenge, freezing your credit cards probably won't be enough to get you out of it. If that's the kind of situation you're facing, you might want to consider bankruptcy as a viable option to help you get out of debt as quickly as possible.

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