<prompt> Human: I understand that cancelling credit cards can hurt my Credit Rating, but honestly, having them open - I just end up over using them and incur more debt.Ive gone as far as giving my cards to a family member so I dont use them, but I just find a way around that by going to the bank and getting a new one saying I lost the previous one.Is it really worth keeping these open if theyre not actually helping me right now, but actually making things a lot harder?I am being serious when I post this. I understand how fucking sad it sounds, oh, I cant help but use my Credit Card, so Im debating just straight up closing my accounts... Any and all advise would be helpful.Thank you.  <response>: If you dont trust yourself to not run into large amounts of credit card debt, just cancel the cards.Yes canceling the cards will hurt your score. But being in high interest debt up to your eyeballs is even worse. 