I have a Sams card, used ONLY at Sams. I have two VISA's, one through my bank and one with Chase. The one through the bank is my internet purchase card. the other is for incidental that I cannot pay cash for right at the moment. I am very good with money, it is something I pride myself on, but it is easy to get a little over your head even for the most responsible of us. How I keep it in check is I have a "little black book" and I write down the amounts I have spent when I charge something. It helps to see it in front of your face. When you can actually see where you are at it is easier to "check yourself before you wreck yourself". LOL!!