<prompt> Human: I know the advice is you should use the card every few months to keep it active and increase your utilization and stuff. But the problem is that, from the reviews Ive read on CreditKarma about this card, they charge random fees and frequently charge the person a late fee when the person said they paid on time.Since I just opened this card yesterday, would it be better for me to close it now or wait until theres a mistake to close it, because it seems inevitable at this point with the hundreds of reviews Ive read. I just dont want to be wrongly charged a late fee and have it hurt my credit score, but I also dont know how bad it would look if I closed this card a few days after opening it. Should I just hope to luck out and not be screwed over by them?The only other credit card I have is a year old and I only use it for gas so my credit score is pretty good nowhigh 600slow 700s.Assistant: Does the card have an annual fee? If not, just stick it in a drawer and forget about it. Sitting with a zero balance will help your credit because itll reduce your total utilization, and while some banks do close cards for inactivity, they usually send you a letter warning you first in my experience at least and then you can use it and pay it off immediately to avoid issues. Human: Apparently theres a 2 monthly fee. Im not concerned about that though if it helps my credit score. I have anxiety over the fact that I have to use it a couple of times a year to keep it active, and many people have said they have been charged late fees for paying on time. If I were to close it, would it be better to close it now or a couple years from now after it gets closed for inactivity? Or would it not matter? Im kind of scared of using it now after reading all the reviews.  <response>: What do you mean apparently theres a two dollar fee? I just looked through both Macys card agreements and neither have an annual fee, let alone a monthly fee. 