I did it! I just did it...I did a $haronRose!
I just cut up my MasterCard! It's in half a dozen pieces on my desk. I couldn't stand it anymore, so pulled it out of my wallet, took the scissors to it and just did it.
There's still $53 owing on it (plus monthly fees of $6 - it's a secured card), so my plan is to pay off the remaining amount at the beginning of December (with my "free" paycheques), plus six months of fees, THEN cancel it. I'd already lowered the limit on it, but it's still too much of a temptation to keep around in my wallet.
And my mother called me yesterday and asked if books were fine for Christmas (I have my wish list on Amazon). I suggested either a Superstore or Tim Horton's gift card would be great alternates and instead she's settled on cash, most likely $1K!! :O Exceptionally generous...I'm going to funnel most of it towards a new(er) car, my travel account and my house account.
Although that would take care of my VISA card...hmmm...
Anyhow, I just had to share my news!