A credit card debt is just like any debt or loan or credit. One gets to avail of the credit limit then gets charged of interest subsequently monthly, based on the ADB ( average daily balance ) of the outstanding debt / availment.

First of which the lending unit, the credit card company will not allow you to close the card with an outstanding balance. OR they will indeed put the card on hold / standby status - but will likely declare it as past due. That will reflect in credit ratings of certain loan indexes / databases for existing credits related to credit cards and consumer loans. Credit standing will definitely be not good.

IF you have availed of a certain credit accommodation which has a fixed term, likely they will charge you for what we call as PRETERMINATION CHARGES or PENALTY. They stipulate that when you avail of this. Otherwise, if it was not discussed with you - or you are indeed having doubts, you better discuss facts with the credit card company. You will probably ask why are you being charged ( even if you are going to pay for the outstanding balance already?). COST subsequently comes into view. The creditor extended a loan or credit but of course at a certain cost. Then they add SPREAD or additional interest over the actual COST of securing the funds lent to the borrower. Then INCOME is computed out of that. Income of the creditor I mean.

My advice, if you really do not want to be tempted to use the credit card again - have it suspended on the basis that you are trying to manage your funds. Or rather think of literally cutting the card. WHAT WILL BE MOST IMPORTANT is to still pay the minimum amount due if not the whole oustanding balance. In that way, even though the card is not being used, the payment it still continuous - and will still be interpreted as good credit.