<prompt> Human: My oldest account on my credit is one Ive had for 12 years. I got the card when I was 18, the interest rate is 24 so I never use it. 5 monthly fee, which adds up over the years.My second oldest account is only 5 years old. How bad will this impact my credit if I close it?Mt score is 760-800 depending on the bureau  <response>: Close the account if they wont product change the card to one with no fees. There will be a small dip in your score but it wont really hurt your score much. The closed account will still show on your report and continue to account for age for the next 10 years. 