Sure they are convenient. Open your wallet, take out a bunch of credit cards, choose one, sign the slip, pick up the parcel and off you go. Nothing easier. You don’t even have to wait for the change. But this little bit of indulgence costs you and when your account arrives and you are staggered at the costs, you have forgotten that nice warm feeling of using your credit cards and all that’s left is the pain of paying. By then those nice blue jeans you bought with your credit cards are already looking crumpled and ragged.
It’s not easy to avoid the costs associated with credit cards but you can reduce them. First you must decide what the cards are going to be used for. Are you planning on splurging with your credit cards or are you just using it for little essentials that can't wait until payday? Do you want to transfer the balance from another card? Maybe you only want it as insurance in case of emergency expenses. The more uses you attach to the credit cards the higher the costs will be. So start by eliminating all the services you don’t need. You have already made inroads into cutting costs.