<prompt> Human: Ive read the FAQ about credit score and I think I can cancel the card without too much worry. But heres the deal: -Very low available credit 250 -50 annual fee -20 APR, -they wont up the credit limit without charging me a percentage of the credit increase I want to cancel the damn thing BUT Ive had it for 6 years. I usually paid on time, but usually just the minimum. How much do you think I can expect this particular card, with such a low credit limit to negatively affect my credit if I cancel?  <response>: If you dont like it, close it. 