<prompt> Human: I have a credit card with 6k limit and a running balance of 4k Ive been making minimum payments on for the past 2 years while I got myself into a better state financially. I now have enough surplus to pay off the remaining balance in full. The physical card expired earlier last year and I never decided to renew after having gotten another card with a 5k limit which I share with my wife. This card is routinely paid off in full.My question is that after I pay off the remaining 4k balance, is it worthwhile to close the CC account completely - or will this impact my credit score negatively by reducing my credit line by 6k?  <response>: pay it off and keep the account active and just dont use the card unless you plan on paying off any charges in full the next month 