<prompt> Human: Okay, so Im the stereotypical I wont use my card unless I can pay it off kind of guy...but here I am with 5000 debt on a Discover Card. I do have another card but that debt is manageable and the account has been open longer. My credit score is already starting to dip downward thanks to the shheads at Verizon for telling me not to pay my last bill, but sending my bill to collections anyway.The thing is the credit card payment is now 120 monthly and with my other finances... its just not going to happen feasibly. Good news is, I have an apartment rent lease for the next year, and just bought a car Im a fing moron, I know and am able to pay my 500month in student loans. I have other balances here and there, but I feel suffocated by the credit card balance. Im not saving much money, if any at all... and I was wondering, in the grand scheme of things, would it be such a terrible idea to cancel the credit card with a 6000 limit?Also, I would be limiting the want of using it.Any advice is much appreciated.Assistant: What are you thinking when youre saying cancelling the card? The debt doesnt go away.Pay it off, keep it open. One factor in your credit score is the average age of your accounts.Human: I understand the debt does not go away. But after budgeting, 120 is something I cannot afford. Assistant: In my mind, Im playing a scenario that calling to cancel can lower my payments somehow.  <response>: You can call to maybe get your payment due date pushed back a month if youre nice.But nothing is gonna lower your payments until you pay down the debt. 