you got it! my wife and i got rid of our credit cards 4 years ago and now pay for everything with cash or checks, if they'll take them...one of the best decisions we ever made.
in my opinion, the only debt a person should have is their mortgage, a car payment and their education. that tv, those shoes, that purse and that furniture are not things you should be in debt to for the rest of your life. as the great tyler durden said "The things you own end up owning you."