<prompt> Human: Hi all-Today, just for laughs, I applied for a Capital One card with which I can get travel miles. I was surprised that I was able to get it! I currently have a Cap One card in a lower category. My question is- should I keep the more basic card account open with a zero balance and just use the new card, or should I close off that old card? Thanks in advance!  <response>: Unless there is an annual fee on the old card there is generally no reason to close it. Keeping it open will help your credit score by lowering your overall usage. Additionally, keeping the old card will help your average age of accounts, although that wont really effect your credit score until 10 years after the card is closed. 