The key is to change the way you think and your behavior. Start with practicing the virtues of Benjamin Franklin and apply them to your finances. Wealth Virtues will help you do this.
Wealth Virtues Journal: January 11, 2012
Wealth Virtues Journal: February 24, 2010
Now before you start feeling victorious over those big nasty Wall Street cigar smoking fat cats, consider that the banks who issued credit cards have had to write off over $35 Billion in bad debt last year. Where will they look to recoup the loss?