<prompt> Human: Hi PF, had a fairly simple question for you. I have a credit card that Ive had for over 2 years. It was my first credit card that I got while still an undergrad, it has high interest low rewards. I just recently got a AmEX card and wondering if I should close out my old card? I know it looks good to have more credit available and I can have it as a fall back but it does make me nervous to just have it sitting around. Opinions please.  <response>: If the credit card has an annual fee, Yea - close it. If the credit card has no annual fee, Nay - dont close it. Furthermore, if you dont close it, use it to auto-pay something small recurring. i.e. netflix. Then, log into the site and setup auto-payment from your checking. Your card will now stay open indefinitely, with nothing to do on your end. unused cards or often closed after a period of time. 