<prompt> Human: Ive been using the Southwest Rapid Rewards card for 2 years now. The first year there was no annual fee and I had to travel a lot last year for conferences. Thus, Ive accumulated quite a few points and a couple of free trips from it. It started charging me 100 this year for its annual fee and I dont foresee myself traveling as much anymore in the future so the free mileage and points wouldnt matter. This card has been one of my main cards I use for purchases but Ive been slowing down the use of it since I use another card with cashback. Would closing my credit card account cause muchany harm?  <response>: I would close it. The hit your credit score takes will be bigger if that is your oldest card. If its not, you will barely notice a change in your score by closing it. 