My biggest problem with the credit cards it that I buy something, knowing that I'll have the money to pay it back but then spendin the money when my paycheque comes in, instead of putting it all onto the card. Having three cards was a bit much and I had been wanting to get rid of one of them but up until now I've just kept all three. I probably won't get rid of the other two because there are a few things that I like to do (i.e. - rent a car, reserve tickets online...) that require one. Eventually, I plan to get the limits lowered on them so that they're a bit more reasonable. One step at a time though.
So I'm feeling liberated and motivated by the cutting of the card. It seems such a small and perhaps silly thing but sometimes that's all it takes. :)