Think about credit differently
Greek heroes often suffered from hamartia, or a tragic flaw. Spending money to save money is certainly a flaw of reason.
Instead of thinking about credit cards as an extension of your spending, think of them as a report card for how you manage credit. If you cannot control spending urges, leave the cards at home. If you have to drive all the way home to get your cards, you may reconsider how badly you need the purchase.
Your credit score can be improved by keeping your total credit utilization under 10 percent, making small purchases and paying them off monthly. It may feel like a Herculean feat to pass up that deal, but the hero’s sacrifice is rarely easy.