<prompt> Human: Hey there,I have just obtained a Sallie Mae MasterCard. Its perfect for me at this point in time, since my purchases revolve around grocery, gas, and Amazon. However, in order to build my credit up to get this card, I had gotten a USAA MasterCard. It has an annual fee, and has 600 of my money tied up in a CD. I dont necessarily need the 600, but the annual fee is annoying. It doesnt upgrade to non-secured, either. Ive tried, but nope. That card is my only credit history, as of now.TL;DR: have annual fee, secured card that wont upgrade. got a better card, with no annual fee or security. Do I cancel the secured card?e: thanks guys, gonna just cancel it after this payment period.  <response>: If youre not using it, but it costs you money, cancel it. Dont spend money for the purpose of building credit. 