<prompt> Human: I was in a tough spot recently and had to open a credit card that I knew would only be used once or twice. It is with Credit One. It also has a yearly fee, 100year I believe. I now only owe 200 on it and will pay it off within a week or two. What will hurt my credit score less, leaving it open and having the average age of my credit reduced or closing the account? I have a lot of other debt and other credit cards and have no interest in using this card ever again.  <response>: Close it right away. I received a few offers from from Credit One and laughed at how absolute shit their terms were. Borderline scam. E.g. interest is charged immediately starting at the posting date, instead of a normal card which only charges interest on any unpaid balance after the next statement date. Normally I would say leave it open but you are far better off closing it and finding a card with 0year annual fee and better terms. Theres plenty of them out there that will accept even lower credit borrowers. 