<prompt> Human: So Ive had a credit card from 1st Financial Bank that I got around 20056. It was the first one I ever got. It started with a 250 limit and, over the years, grew to a 13,300 limit. I used it onoff in high school just to have a credit record of some kind. Once I went to college, it had a 7000 limit and I held onto it just in case I had some sort of emergency. Luckily, I never did.nbsp;So, now that Ive been out of college for almost 3 years, I havent used it. I actually got a credit card through my bank TD Bank about a year ago. That card at least gets me points that I can turn into cash back 1 on everything. The limit is 3,000. Ive never inquired about raising it. The interest rate isnt awful, but I never rotate a balance anyway.nbsp;The card from 1FBUSA has no rewards, no points, a terrible interest rate 29.9, and a yearly fee of 55.nbsp;Should I just get rid of this thing? Its the oldest thing on my credit history. Its also, by a wide margin, the largest credit limit I have.  <response>: yes 