<prompt> Human: Hello, Im single and own a house. Still on mortgage and have monthly payments. I have one 5 year old Chase credit card with a limit of 10k, and good benefits overall. My credit score is 800. I dont need a new loan or any debt in the next 3-5 years at least. Credit cards are not something I like or enjoy managing, but they play a role in boosting credit score and making life easier in general here in the states. My fear is if this Chase credit line gets closed somehow I dont know, for whatever crazy reason outside of my consent, I will lose all my credit poof just like that. Do you recommend I open a second credit card just in case? or am I exaggerating.Thanks Much!  <response>: You have a credit score of 800. You dont really need to do anything to optimize your score at this point. Its high enough that even if you lost your current credit card for some unexpected reason this is unlikely, you could no doubt apply for another at that point.But it wont hurt to open a second, aside from your stated dislike of managing credit cards. You could just throw a single recurring bill on it with autopay to keep it active as a backup, though. 