credit cards are just like a computer. if you dont tell it what to do, it doesnt do anything! it cant spend if it stays in your wallet! it doesnt get out of your wallet or purse all by itself and wants to spend.
if you have racked up your credit cards to the max, cant pay your monthly minimums then you deserve to to pay a higher interest rate than someone who pays off the balance immediately.
it is unfortunate that the good folks who truly know how to manage their finances are the ones who have to suffer for the ones that dont.
i have also seen on tv and have read on the internet about canceling credit cards and what that may do to your credit score and history. the recommendation was to not cancel a card but to just not use it. lenders like to see a long history of credit. i own my home so that major purchase is out of the way.
i have a capital one "whats in your wallet" credit card and they just sent me a notice that they were increasing my "cash advance" interest rate. ok so what! i have never requested a "cash advance" from a credit card. never plan to do so!
i use my credit unions debit card for most of my purchases along with cash.