<prompt> Human: Im an international grad student, and I just got my SSN and first credit card secured, local bank, 250 limit with deposit in early May 2013. Ive been paying attention to my credit, and also managed to snag a Discover It card 750 limit, Amazon store card 400 limit both in May and, most recently, a Chase Freedom 500 limit in October. Ive a spotless payment record and I juggle all cards pretty well, but my first card, the secured one with my local bank, is lying unused and is leeching an annual fee of 36. I only keep my Netflix payments on it, and pay off that the monthly fee on auto pay total of 11 a month. I was wondering if its a good idea to just close the account, or whether or not I should keep it for another few months to help increase my tiny account average age. What option makes more sense?Oh, if I switch the secured card to an unsecured one, I would have to close my account and open a new one, which would lead to a credit inquiry. I also dont need a new card, because the ones I have right now provide decent rewards for my level of spending.  <response>: Id just close it. Its not worth paying the fee for an extra 5 months added to your accounts average age. 