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Question By
needylady

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hard time paying my card off!
can I close my account and still owe a balance so nothing else gets charged to my card?

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Tear it up!

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Tear up the card and keep the account. Exercise some self control. You are the master of your own destiny.

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Exercise self control

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Closing accounts is not a good thing.  Just don't charge anything that you can't immediately send them a payment for.  For example, spend $40 on groceries and send them a check for $40.  This will lower your interest paid as well for the relevant month.

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Yes, you can, but I believe you will be hurting your credit score if you lower your credit limit.

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Yes, I'm pretty sure you can. Also talk with someone live and tell them how you feel about the situation. They may lower the interest rate.

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