It's a constant battle for sure. If I'm not using credit cards, then they won't raise my limits and I get letters reminding me to use their card or they'll shut it off. If I decide to use only credit cards (to either raise cash back, travel hack, or because someone stole $2,200 out of my account in just a few hours earlier this year), then swiping to satisfy every impulse desire I have becomes too easy. Especially if I go from making a lot of money to zero money faster than I prepare for.