<prompt> Human: question, i have one credit card that has a full read overdraft, 3000 limit balance, i have roughly 50 to 100 dollars every month that i can and do put on it. problem is it never goes down as each month i then get hit with roughly 100 in fees and interest. if i cancelshut down the card would the fees and interest stop? i never use the card since i cant because its full lol. so i am not interested in keeping it. i just want to get it paid and done with.right now i pay 25 interest.any help would be appreciated. thanksEdit: thank you for the helo. Confirms what I thought about cancelling but was unsure.  <response>: Lol if credit card debt could be paid off by cancelling a credit card, there wouldnt be any banks still afloat 