<prompt> Human: I have never had a balance, I have a small financing on my car solely for credit purposes, many years of living in cash saved up, 800 credit score. Never missed a payment on anything ever. I have 3 personal cards: Two of them are rewards cards Opened in 2009 and 2012. Combined cost of 85yr - keeping these and third I got when I was a student in 2009 no fee. I never use the third card as it has no rewards. I think I shredded it probably 2 years ago so I didnt have to keep track of it. In a normal situation, itd probably make sense to keep it to keep my average account age high. However, theres a kicker - its making my average account age younger. When I was younger, my parents added me to a department store account, which shows up as a Capital One credit card on my credit reports - with the account open date in the early 1990s. Im still on it so my average account age shows up as over 8 years old... aka every card I have is making my average account age younger. My third card only has 4k in credit line, the other two have a combined 23k. If I dumped it my average account age would go from 8.25 years to 9.33 years, my credit line would go from 27k to 23k. Also, Im a little bit sick of having a bill come every month saying 0. I almost wish Citi would cancel the card for inactivitytl;dr - Should I close a credit card account to increase my average account age from 8.25 to 9.33 years, at the expense of my credit line going from 27k to 23k?  <response>: Sign up for paperless statements. Filter them to trash. Hakuna matata. 