<prompt> Human: hello, so last February I opened a Visa card that had 0 interest for a year so I could transfer 5k debt and pay it off. I transferred from my other visa that has 11.90 . now its payed off I should close the card I had opened to use for the 0 rather than keep it open and not use it correct? it goes up to 16.99 after a year. the only reason I would think to keep it is for emergencies. I still have the other card. each card has about 5 to 6k limit. thanks.  <response>: Theres no reason to close accounts that are open with 0 balance. If it has no annual fee, it costs nothing to keep the account open and it contributes to your credit history. Use your credit cards like debit cards, spending only as much as you can actually afford to pay right then. When the statement posts, pay the balance in full so you accrue no interest. 