<prompt> Human: I have a Discover It card, and I plan to keep it for a long time to build my credit score.Once it gets to a certain point, I plan to apply for another one with more benefits and close the discover card.If I do this, how will my credit be affected?  <response>: There is no reason to close a Disco IT, it does not have an annual fee. There is no harm in just throwing it in the sock drawer to start using a different car.What you should really be doing is using the Disco card for whatever category applies at the time. Then use your other card when it gets better rewards. 