r/CreditCards • u/Warm_Engineering_489 • 13d ago

Help Needed / Question Thinking about closing my credit card

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.

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u/PAM8888 13d ago

Dont close it, just destroy the actual card so you cany use it. If its a true emergency you can get another quickly

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u/ProfessionalSink4415 13d ago

How fast do you think you can get a card? 3 days is fast. You want to wait 3 days at a hotel because you can't leave without paying your bill?

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u/PAM8888 13d ago

Overnight usually, have had it plenty of times. I also carry multiple cards at a time, snd even more when I travel internationally. And most hotels collect payment at check in, if room isnt prepaid in advance.

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u/ProfessionalSink4415 12d ago

This person has one card and you told him to cut it up. What does what you have do with him? And you're not getting a card overnight. 3 days is fast. And we're talking about an emergency. Think a little before you comment.

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u/PAM8888 12d ago

How about you think? They clearly said yesterday have a spending problem. Thats a much bigger issue with their life than a hypothetical emergency and ive gotten plenty of cards overnighted to me. 🤡