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I stopped using credit cards completely in an attempt to get out of debt – here's what happened

Business Insider Logo By Laura McCamy of Business Insider | Slide 1 of 6:  Credit cardsplay a large role in debt for Americans.Author Laura McCamy stopped using credit cards to pay off her debt; however, with no revolving credit, her credit score evaporated and it affected her ability to get a loan.Though giving up credit cardscan help you get out of debt, there are some unexpected problems that come with cutting the cards. I am a shopaholic. I find it hard to resist cute things and the world is filled with cute things. When I got my  credit card bill and I was bummed about my high balance, I would cheer myself up by shopping - and charging my purchases on my  credit card. So, it's no surprise that, every time I started to pay down my  credit card balance, I found a way to spend it up again. Credit card  debt is a problem for many Americans. CNBC  reported that the average American had over $6,000 in credit card debt at the beginning of 2018. Americans paid a whopping  $104 billion in credit card interest and fees in 2017, according to the New York Post. That's more than $300 for every man, woman, and child in the country. In the early 2000s, I knew I needed to change my financial habits, or I would never get out of debt. I realized the only way I could do it was to ditch my  credit cards, so I made the leap and stopped using plastic. The results weren't what I expected.

Some unexpected problems come with cutting the cards.

I am a shopaholic. I find it hard to resist cute things -- and the world is filled with cute things.

When I got my credit card bill and was bummed about my high balance, I would cheer myself up by shopping - and charging my purchases to my credit card. So it's no surprise that every time I started to pay down my credit-card balance, I found a way to spend it up again.

Credit-card debt is a problem for many Americans. CNBC reported in January that the average American had a credit-card balance of more than $6,000. Americans paid a whopping $104 billion in credit-card interest and fees over the past year, according to the New York Post. That's about $300 for every man, woman, and child in the country.

In the early 2000s, I knew I needed to change my financial habits or I would never get out of debt. I realized the only way I could do it was to ditch my credit cards, so I made the leap and stopped using plastic. Click ahead to see the results, which weren't what I expected. 

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