<prompt> Human: I make 12K a year. I currently am down to 215 left to pay off, on my current card. I was thinking of cutting it up, once I hit 0. Can I do this with my salary? Is there any reason to not do it?I guess the thing that really scares me is, what if I have a big time emergency payment that pops up, and I dont have the funds to cover it such as an auto repair. Thanks.  <response>: Emergencies that you cant cover in cash would be one big issue yes. However if you are like me and cant seem to stop spending, maybe destroying access to unsecured credit would be more beneficial in the long term.Personally Id go middle of the road on this: hide your credit card somewhere out of reach I just left my credit cards at home in order to pay them off so that you have them for emergencies. If you are able, save up emergency fund then revisit the idea of cutting up the card. 