<prompt> Human: I have had credit card since college with a reasonable monthly limit, during my college I was able to easily pay it off and built a very good credit score. However I recently graduated and now make a considerable amount of money and I am reaching almost 75 utilization on my trusty college card.I requested a limit increase but was not given a very large increase and still utilize 50. I have put in an application for a more busniess professional card with better rewards and a significantly higher limit.My question is what steps should i take to cancel my college credit card, or simply leave it open and collecting dust.Assistant: If it doesnt have an annual fee and isnt secured, why cancel it? They may raise your limit later, it might transfer to a more normal card eventually, and even if nothing else, it raises your average account age. If thats your oldest card, I wouldnt. You might talk to them after youve held this income a while and see if it can move to some non-student version... depending on what it is exactly. Otherwise, keep it as an emergency backup. If you only have one other, you dont want to be stuck on a bill if they lock it for any reason.Human: Will having a 0 utilization affect my credit score less that the average age?  <response>: Itll increase your score for having low utilization 