<prompt> Human: My first credit card was from a credit union at my college. Now that I will be graduating soon I am wondering if it is better to close it or just forget about it. The credit card from the union is a Visa card, and I have another Visa card I use instead of it.  <response>: There is no risk to having an open line of credit unless you are paying interest or a fee on the card. Having an open line of credit is helpful to your overall credit score if used responsibly. 