<prompt> Human: Hello reddit, Im a 20 yr old college student that is currently in a little bit of debt. Ive had a credit card for a little over a year and theyve upped my credit limit twice so my max is 1500 now. I currently owe about 1100 on it and i pay the monthly payments on time, mostly a little over the minimum payment, but i still cant seem to stop using the card so whatever i pay off it just racks up again and its a never ending cycle. In order to solve this issue I just want to get rid of the card all together by just ripping it up and throwing it in the trash, that way I have no way to use it anymore, and I can just keep only making payments on it to pay it off. Although Ive heard some friends tell me that not using your card at all can ruin your credit score, which I wouldnt want to happen either, so my main question is, is there consequences to not using your credit card at all for a long period of time?  <response>: The harsh reality is you are spending money you dont have, paying interest you should not be paying, and are developing habits you do not want. Get rid of it. 