<prompt> Human: Outside of the rewards a cc gives for using it, why keep a credit card. I defaulted on a student loan years ago and still have a few years until it falls off of my report. Ive been paying it and have paid off all other debt that hurt my credit score. I opened up a secure card with a 30 annual fee. These dont have rewards. I did it to help my score but realize what will really help is having those few defaults disappear after paying on time for over 7 years. I have 4 months worth of income saved and will continue to save slowly until this student loan is paid. Should I keep a high interest Credit card with no perks?  <response>: You should never be paying interest on a credit card used correctly, so the rate wouldnt matter. 