<prompt> Human: The 4k card will hold the balance for now as it has 0apr for a year. I know my credit will be dinged because my total utilization goes up when my total credit limit goes down. My question is, will this cease to matter once I pay off the 4k card, and will my score go back up to what it was before the cancellation? Thanks, all help is appreciated  <response>: Dont close, request a product change to a non annusl fee. 