According to Consumer Reports, using credit cards will increase the amount of money you spend on a purchase because it makes the purchase less painful and speeds up the shopping process.
One way to slow things down is to create a buffer between the buying impulse and the checkout button. You can do this by simply removing saved credit card information from web browsers and online stores such as Amazon, according to The Simple Dollar. Actually having to take the card out of a wallet and type the information creates a powerful disincentive to purchase.
