<prompt> Human: I paid off my credit cards, should I keep the one I dont use oldest, higher APR open? Does it affect my credit report positively or is it just a security risk?  <response>: Yes, age of accounts is a factor in your score. How much of a factor depends on your next oldest accounts.If there is no annual fee, throw it in the sock drawer, cut it up, throw it in a bonfire, whatever. But no need to close it. 