Credit cards can be useful for smoothing cash flow or building credit history. They become a problem when they're covering everyday essentials, being used to make payments on other debts, or when the balance never drops from one month to the next.
If any of that sounds familiar, the first step is to stop using the card, not to close it. Closing an active account can hurt your credit score by reducing your available credit. Instead, remove it from digital wallets and online stores, and freeze it in the app if your issuer offers that.
Then work out a realistic monthly repayment — even if it's more than the minimum by a small amount. If the numbers don't add up, contact a free debt help service. Options like requesting a freeze on interest or entering a formal arrangement are always available to you.
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