<prompt> Human: Im concerned about how this may effect my credit score. Basically my first credit card was capital one when I started school early 2004. So its a card Ive had for 10 years now. Roughly 4 years ago my school screwed up some paperwork and didnt properly clear a fee that they put onto my account by accident, so on my end I didnt owe the fee but on their end apparently in collections they had the fee so they sent it to a collections company. Across the board every single card I owned dropped my credit limit to my balance, applied interest fees for the month, sent me over the credit limit, and suddenly I owed over 500 in fees alone. Ive gotten over this, but I got a letter from capital one that due to my credit score Im now being charged a monthly fee.Forward to today, Im finally able to pay off that account it was almost 4000 when this happened. Contacting capital one they seem adamant that I agreed to the fee when I opened the account and they refuse to drop the monthly fee since i agreed to it. By agreed it was a letter that graciously gave me the secondary option of just closing the card without fees so long as I paid the balance in full within 30 days. So long story short, should I simply close the card and take the hit on closing my longest open credit card? It will drop my average account age for credit lines by like 2 years, it was the only card until a few years ago. Or do I have any recourse with them since it wasnt part of the original credit application even though they feel it was?  <response>: Close it. Dont pay for the privilege of having a credit card ever. 