<prompt> Human: I have a credit card which carries a 95 annual fee. I want to cancel it.Here are my concerns: Is the hit to your credit score when you cancel a card going to come back up within 6 months? Should I be applying for another card in lieu of this one? I have been told having atleast three lines of credit is good as it shows sufficient credit history.Edit: FormattingAssistant: Is it possible to do a Product Change within the products that your bank provides, in lieu of cancelling outright?Human: I dont know. I will ask them about it.  <response>: Definitely worth considering. You get to keep the same account number, same credit limit, same card history, but the rewards and annual fee change.Find a card youd like to switch to, and then give them a call and see.Best of luck! 