I know that you enjoy seeing the computer accept credit card payments, but your credit card balance may not share your elation.  Though many places accept credit cards, few places finance purchases, and if you don’t have the cash to pay for something you buy, online business merchant accounts can’t help you out.  If you find yourself worried about collection agencies and credit card debt, then online buying may be your problem.  One quick way to find out is to stop buying things off of the internet for one week and track your expenditures for that week in a notebook or diary.  Did you save about a fourth of your monthly paycheck?  Then I think it may be time to seek some professional help, before this problem gets out of hand.  You need to turn yourself around, because credit card debt is a slippery slope, and once you are started down, it’s very hard to begin the climb back to where you started – debt free. 

The first thing you need to do is get control of those cards, and that will give you control of your life back.  You need to stop buying things online, because it’s so much easier to not think about the price and just press the button and watch the payment go through.  If you do go shopping, only go to actual, physical stores, and only carry cash.  This will inadvertently limit spending quite a bit.