<prompt> Human: Im about to pay off a CC with a limit of only 1070.00 with Sears. My credit rating took a hit in the past few years due to a divorce that didnt quite get split down the middle, which included a car repo that hit me. Every time this question comes up everyone says its case by case from what I can tell so thats the background I think is relevant. Should I pay it off and close the account out completely? Or pay it off and leave it at 0 balance, to show some credit available but not used? What would be the best for continuing to bring my rating back up to better numbers?  <response>: Assuming you arent paying any fees to have the card, leave it open. That also assumes you wont be tempting to use it either. 