<prompt> Human: Am I correct in assuming that cancelling a card will have a minimal impact on my score if Im not carrying balances on any card, because it wont up my usage ratio?I realize Im giving up a bit of positive historyage of credit had the card since 2008 but apparently this stays on your record for 10 years? Cheers!  <response>: Am I correct in assuming that cancelling a card will have a minimal impact on my score if Im not carrying balances on any card, because it wont up my usage ratio?No, because age of accounts is a factor as well, as is total credit available. 