<prompt> Human: I am slowly reaching that point of low debt except student loans, and rebuilding my credit. I have three credit cards, 2 of which, have no annual fee, decent rates, and low balances. Both of those are fairly new, within 2 years old. Then I have a card with a low limit, zero balance, high rate, and a 60 dollar yearly fee. I acquired this one 13 years ago when my credit was shit. Now that it is paid in full, is the 13 years of credit history with it worth keeping the yearly fee, or should I just cancel this one and move on.  <response>: No. Ideally do a product change to a different card without AF. Otherwise apply to other cards you want and close this one. 