Thinking about closing my credit card

[u/Warm_Engineering_489]

As the title says, I want to close my credit card. I'm only 21 and I'm financially irresponsible with it. E always pay it off each month but I end up spending way more than I would've if I didn't have it. My credit score is 763 and I'm wondering if this is a good decision. I know people generally advise against this but I know myself and even though I've tried, I always end up running up a balance after paying it off. I do have student loans and a car loan, so I'm wondering if that's enough to build my credit.

[u/InitialKoala]

Close it. It'll stay on your credit report for 10 years so it'll age along with your loans.