Lay a ways-like years ago-you waited till u could afford it-we all survived-the others can learn this 'new' behavior,too. No one ever died because they couldn't charge-they might think they will-but, no, they won't-its called self-control, being wise and waiting. Just learning to WAIT. I have no credit card bills and Iam just fine-paid all mine off years ago. Freedom is wonderful.