<prompt> Human: I have one credit card that is at least 5 times older than all of my other cards and is therefore holding up my average age of credit significantly. That said, I do not use that card anymore or the bank in general. I fear to cancel the card as my average age of credit will effectively drop 60. Should I just do it anyway and recover, or should I continue to sit on this card until the other credit lines have aged and canceling it wont hurt so bad?In 3 years the impact will look like 20 vs the current 60. My card utilization is typically 1-5, I never carry balance, and I do not have late payments or derogatory remarks.  <response>: Most lenders consider the date when accounts were opened, whether or not they are closed, for the purposes of making this calculation.So, closing the card wont affect those lenders calculations, at least not for ten years.That said, closing a credit card never helps your credit score. It just might not hurt it very much. 