<prompt> Human: I have a gold Amex that costs 200year to keep open but I never use it. Its also my oldest card at roughly 15 years.  <response>: You can probably product change it to something with no annual fee. Call AmEx or send them a secure message on the site asking if theyll let you do that.Otherwise, just close it. The slight ding to your credit score is not worth 200year. 