<prompt> Human: Married, only one of us has a credit card. Zero balance. 1500 limit. Should we just kill the card and live with no credit cards? I keep thinking we should keep it for an emergency, but is that really necessary?We have an emergency fund, Ive been unemployed for a year, spouse is working. Things are tight, but when we use the card to avoid dipping into the emergency fund, I feel like we should have just used the fund in the first place. I hate having any balance on it.Update: I just want to say thanks everyone. We will keep the card, and furthermore, use it for groceries and foodstuffs; because I looked at my rewards points, which Id never paid attention to before and I have over 5,000! Now Im getting 50 bucks in cash back! Never even knew I could do that.Assistant: Having a credit card, and using it at least occasionally will help your credit score, and enable you to get better loan ratesterms in the future.The key about using a credit card is to make sure you pay it off in full ever month, so that you dont have to pay any interest. Human: OK, so my credit is really good now, thanks to previous multiple credit cards in the past. If I kill this last card and never use them again, is this going to hurt my score?  <response>: Yes. 