<prompt> Human: Im wondering if i should pay off all of the remaining balance on my credit card i have just the one and cancel it. I feel like having a credit card has time and time again allowed me to go over budget and buy stupid things that i shouldnt and then have to pay a large amount of interest, I am fully aware that i am terrible with money, im trying to work on it. I guess the reason for im asking is because everyone talks about building up credit but personally it feels like its not been a good thing for me to have.  <response>: If you lack the self control to use a credit card responsibly, then maybe you should get rid of it. However, instead of cancelling it right away, I suggest cutting up the card and letting the account remain dormant. It will likely get closed for inactivity after a year or so, but in the even you manage to learn how to control your spending before it gets closed, then youll have a credit account with which you can continue to build credit. If you still dont think youre at a point where you have the necessary self control, then let it close then 