<prompt> Human: I got the card at the time because I needed it, but now I can pay it off completely and dont really need it. Also, the interest rate is now pretty ridiculous. Is there any benefit to keeping it around and just not using it? Is it harmful to my credit if I cancel it? I dont see myself using this card any long, especially because I have another card that I use which is better for regular stuff.  <response>: Yes, it is harmful to your credit if you cancel it - it reduces the total credit you have available, which will impact your credit score. Put your 8.99 Netflix subscription on that card, set your checking account up to auto-pay it, and then never touch it otherwise. 