<prompt> Human: I dont even use the card and dont want to pay the annual fee anymore, but being that its one of my oldest cards and is increasing the average age of opened accounts, I dont want to hurt my credit score to avoid paying a 39 annual fee.How big of an impact would it have on my credit if I were to cancel this card? I have a couple others that are older.  <response>: The temporary hit if any isnt worth paying a fee over. 