<prompt> Human: Would it be a bad idea to close my oldest credit card since I am being charged monthly service fees, which when I opened it I was just glad I got one. Or would my credit take too big of a hit that it isnt worth it? Also if its favorable to close the account what are some great no fee credit cards? Thanks in advance!  <response>: The fees are almost certainly not worth the slight ding to your credit score from closing your oldest account. Unless youre expecting to take out a large loan in the next year or so, Id say move a no-fee card ASAP. 