<prompt> Human: I get 5 cashback so I mainly use it for gas. But sometimes I get cash strapped and use it for other things. Ive been really good lately and almost have it paid down. Do I close it immediately upon being paid or should I continue to use it for gas and pay off the entire balance every month?  <response>: It boils down to whether you can be disciplined with it. Leaving it open and not carrying a balance is best for your credit, but you already admitted that you reach for it when cash strapped. Thats a budgetary problem you need to resolve by making more or spending less, otherwise youre just going to rack up more debt. 