I chopped up and discontinued all those "store" charge cards, cause it can get out of hand or fall into wrong hands, where a person can have a spree on your account.
Limiting oneself to one or 2 cards can help?
I still think my DX was overkill, for I do NOT have any sex drive, no energy, and no longer buy stuff, especially clothes, since my 45lb weight gain.
But all this and more is a whole other story, maybe some day I'll post what and where my DX may have been overkill.
Who knows? Just wanted to add my 2 cents of one of the ways I cut back on spending and having multiple charge accounts.
Lots of luck with this.