How to get out of debt....and stay out! Work hard to pay off your credit cards and then or even before, tear, cut, spindle, mutilate them as in this instructable that outlines how to make a bracelet out of one or more credit cards. This renders them useless thereby aiding in your resolve to quit charging.
Step 1: Gather your old, expired, or cards you want to eliminate.
It doesn't take more than one card, but if you use more, you get a better selection of light reflecting areas to cut up and use in your bracelet.