<prompt> Human: Guess I kinda said everything in the title. HSBC was bought out by a company where I used to live, First Niagara. They make it quite a pain in the butt to pay my credit card, and Id like to switch to a more convenient, possibly lower APR credit card. I have pretty good credit, but I have a pretty big CC balance 3k. Would it be bad to switch and close the old one, or could I just switch and leave the old one empty without using it?  <response>: possibly lower APR credit cardIf you pay in full, APR doesnt matter. If you dont pay in full, you should close your credit card, pay it off, and not open another one. 