<prompt> Human: I think I read Madame Bovary too young. For anyone whos never read it, its about this woman whos bored and depressed with her life, in the end she buys tons and tons of stuff she doesnt need on credit, and ultimately she ends up committing suicide and dying a horrible death by arsenic after the debt collectors come.I suppose you could say Im terrified of ruining my life and trapping myself in a prison of my own making because of temptation and a lack of willpower.I got my first and only credit card six months ago, Ive never missed a payment, my credit utilisation has always been fine, but Im extremely, cripplingly anxious about debt. Im wondering if I should just pay off what I owe less than 400 on a 2000-limit Discover card and then close it to save myself.  <response>: Could always stop using the card and do the ice block trick. Just freeze the card in a big block of ice so its there for emergencies, but not easily accessible. 