<prompt> Human: I have a credit card with a 20k limit. It has 0 balance always has, I havent used it in probably 8 years, but I always kept it because it was a MasterCard I liked having a Visa, Master, Discover, and Amex just in case. Recently Chase changed so its now a Visa leaving me with 2 Visa cards with them. Having 2 Visas defeats the purpose of having it, but 20k is a pretty high limit. I want to cancel it, but not if its going to hurt my score. Cancel or No?  <response>: Dont close it if its not costing you anything. Your average age of accounts would be impacted, possibly reducing your credit score. 