<prompt> Human: A lot of personal finance knowledge can be gained by understanding the mistakes of others on top of the obvious best practices. What was your stupid tax reddit? Edit: To share, mine was financing a motorcycle immediately after graduating college and then crashing resulting in me being unable to work. Assistant: 1. Credit Card interest.2. Financing consumer goods.Human: I call my wells fargo card the Devil, high interest no rewards. I only use it for netflix now that the balance is gone. Assistant: Why even use it? Put your Netflix account on a different card and earn the extra 8 pointsmiles per month. Human: The answer to this is that Ive heard closing credit cards can ding your score. But i have a Capital one quicksilver and barclays sallie may now  <response>: The loss is so minor that if you arnt planning a major purchase in the next few months, just do it. 