Overlimit Protection for Credit Cards? BOOOOOOO!

I received a survey from HSBC today asking about overlimit protection for credit cards. Basically, for a small fee, the bank would let your purchase go through if it would allow you to be over your credit limit. If you don't choose to have this protection, then it would deny your card at checkout if the purchase would place you over your credit limit.

My question is who in their right mind would want to be over their credit limit? If you have to go over your credit limit, then you don't need to make the purchase in the first place! I'm not even using my credit cards anymore because of all the fees involved.

My take is that this is an implementation meant to prey on weak-minded people (my former self) who may become desperate for cash. My days of being that person are long gone. I've paid off all of my credit cards with the exception of one (to be paid off in spring) and I've cut them up so I can't even use them. I used to always cut close to my limits and once I started paying them down, I would charge them back up again.

How do I feel about credit cards now??? I believe that it is important to have them to build up credit and to make automated payments, but I don't depend on them like I used to. In the spring, I'll request my cards again so I can make a small purchase (very, very small...like $10-20 bucks) but that's it. If I cannot pay cash then I feel that I don't need it.

With my new truck loan and student loans, the last thing I want to worry about is credit card payments.