<prompt> Human: Weve had a United MileagePlus MasterCard formerly Continental OnePass for at least 10 years. Under the Continental brand, there was no annual fee and it has stayed that way until now. Following the merger with United, the cards were consolidated under the United brand. Just this year they have started charging a 95 annual fee to everyone. Membership provides two United club passes annually and an additional checked bag for free. The thing is, we hardly ever use this card so the amount of miles we accumulated from purchases are negligible. We are contemplating closing the account, but weve had the line open for so long and I know theres some magic formula for of used vs available credit, so Im looking for some input. TIA  <response>: downgrade it to the mileage plus awards card which has no annual fee. By downgrading within the same family, you keep the account history. 