<prompt> Human: I recently transferred to chase, and I am not gonna use td credit card anymore.. Should I close the card? I did some research and I found out that it could hurt my score bc:1. utilization ratio will go up.2. credit history will be shorter bc my oldest credit card will be closed.I just ran the credit score stimulator with option oldest credit card closed, and it shows that my score will drop by 40 points!!Is this even accurate?Anyhow, should I cancel the card?  <response>: Yes it will hurt your score.As long as theres no fee, keep it open and set a small bill to charge it and autopay it monthly to prevent having it closed due to inactivity. 