<prompt> Human: I recently paid off a Chase credit card that I owed 5k on with a personal loan and my credit score shot up to a 780. I want to close the card in order to avoid temptation of using it again, but Im not sure how much that would affect my credit score. Ive only had the card open about 18 months. I have 4 other open cards. One is 2 are paid off and the other 2 are rooms to go cards that I owe 2k on and 800 on. The Chase card is my newest card at 18 months old.  <response>: From the Wiki: The second truth is that sometimes banks will close accounts that have not seen activity for six months or so. If this is just one of your many cards, closing will bring down your credit available, increasing your utilization and thus decreasing your score. If its your oldest account, it will also bring down your Age of Accounts Oldest Account category. Before letting a card go inactive, always check your terms to make sure.Anecdotal: Once I paid off my largest balance CC, I had a credit line of like 20k on that one card alone and lord, I did not want that card to close nor did I ever want to pay effing interest again. So, I put my Spotify recurring monthly charge on that credit card, and signed that credit card up for auto pay each month. The physical card sits in the safe. x200B; 