<prompt> Human: I got my first credit card about 12 months ago which is now at 3,500 CL. After about 3 months on that one, I got a Capital One card with a measly starting line of 500. Fast forward to about 6 months later I opened an Amex which is currently at 6,000 line of credit. Should I close the Capital One card? Since my credit history is not very old I dont know how much it will hurt me. I know that the account will continue on my report for some years though till it falls off.  <response>: Only if it has an annual fee 