It can be hard to only have one type of credit card some of the time, especially because of the different stores where a person needs to shop to have what they require and each one may only accept specific types of credit cards. This can mean a person will need different types of credit cards depending on what store they want to shop at, or even for other reasons. Because of the separate fees and APR you may end up being in more debt then you expected and you could even end up owing more then you used. Some of the time this can make a person feel as though it is not worth it to have a credit card, but then what would you do with the debt that you have accumulated and how would you get rid of it or try to make it easier to pay off.
One of the solutions for a problem such as this one or related to this one is to get a balance transfer credit card. These are credit cards where you can switch the debt from your other cards to these card companies and only have one monthly payment. The best part is that some of these balance transfer credit cards have no annual percentage rate or extra fees. This can help you to pay off your debt faster because it will not be being added to by the company who is taking over your payments. This also mean that you will only need to have one credit card with you and so it will not be nearly as tempting to go over a daily budget if you set one for yourself.
Some people set a limit on their credit cards for how much they are able to spend a day, and if you only have one credit card it can make it much easier to only spend a specific amount or under. Getting your financial life to where it should be can help you relax and your social life be more enjoyable.