We're cutting down on the number of credit cards we have. We have a couple for emergencies (and because grad students sometimes need to buy food AND books), but we've gotten rid of the unnecessary ones. We did have one for overdraft protection on our bank account, but apparently the bank decided that for each month we didn't use the card, we'd get a $19 "inactivity fee". *jawdrop*

I told that bank to KMA and cancel the account. (Of course, we're thisclose to moving our bank account because of the problems and inefficiency of the bank. Ugh.)

All that to say - I completely sympathize.