I went to the bank 15-20 years ago, borrowed enough to pay it off and canceled the account. Got a debit card from the bank so there is no credit to lean on. Surprising how much stuff you don't need if you know you have to pay for it right then. These days I do have a Cabela's card but it only gets used on trips and I've never carried a balance. It gets payed usually before the bill gets here. I've only got $53 built up in credit on the account in the last 3 years, maybe I need to use it more often.
