Don't cut up that credit card yet...if you're going anywhere

It's the Zero Years equivalent of burning your bra: In our newfound quest for financial independence, consumers are heeding the advice of financial planners and taking a pair of scissors to their credit cards. Suze Orman, among many other conservative planners, suggests that if you are in credit card trouble, cut up those cards.

You don't have to cut up your credit cards. You just have to use them responsibly, and never incur debt. Getting rid of them completely sounds good -- Bill W. had much the same advice for alcoholics about booze, and he was right -- but the action isn't likely to serve you well when you travel. A growing number of transportation sellers have gone cashless, so to travel without a credit card would cut you off.