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With tons of credit cards reward programs that are being offered by different credit companies, it can get rather confusing and somewhat irritating especially when you’re constantly being offered with them. Usually, reward programs advertise things like percentage cash backs, airline miles, discounts, freebies and other perks just to get you to sign up for their services.

The thing is, in order to get that small percentage of cash back you’d have to spend more so in a way, you’re constantly losing more money than earning them. Furthermore, with these cards, you are forced to spend more in order to get more rewards. By the way, credit companies can discreetly raise your interest rate at any time even if you’re not late on your payments. Here below are some ways that you can do to avoid being trapped by these companies and start regaining your financial freedom.

The most crucial thing to do when trying to avoid credit companies’ false promises is to stop using their cards. This may be difficult to do especially when you’ve grown accustomed to using them. By utilizing your credit cards, you are admitting that you desperately need their services so until you can learn not to use them, you will not be able to get that financial freedom that you’ve had in the first place.

When you’ve acquired that discipline to say no to your credit cards start saving some money and this amount would depend on your monthly expense. Think of it as your emergency stash while you’re paying off your debt because you wouldn’t want to resort back to your credit card when you need to buy something. As you slowly eliminate your debt, you can increase your emergency fund so that you will have greater financial flexibility. Finally, always use cash when you have them. By paying with cash, everything becomes a lot easier, direct and there are no fees or interest rates to pay.

Gradually, when you’ve learned to say no to credit cards and peacefully part with your cash, you can find it more liberating to spend each time you go on a shopping spree. These credit cards reward programs are great for people who have the discipline to use them but if you don’t, better stay away from them because they’re more harm to you than help.