My DS recently obtained a Citi AA Premier MC when offered 30K miles plus a $100 credit to apply for an AA ticket to go on his first vacation week in June (he's 24 and this was the first year in his job).

He spent enough ($2K) to obtain his bonus. He has overspent for a year or so on other cards with zero percent APRs and those are about to hit regular APR levels.

I think he should just close this latest card (the AA MC) and concentrate on paying off his debt for awhile, including this one in full.

His credit limits total a nice sum and his use ratio is actually not bad either. His credit history is over 6 years, good for his age.

What is the downside of just pulling the plug on this AA MC early? I just don't think he can keep a commitment to sock drawer it. The temptation will be too much and cancelling it makes sense to me. I think he would listen if I told him to close it. But, I am open to advice.

No lectures on interfering with his decisions, please. TIA.