<prompt> Human: Hi there PF -Have posted and gotten great advice here in the past, so here is a success storyquestion. About a year ago I was applying for a mortgage with a high income but low score due to no usage. I quickly applied for a fee basic credit cards, and secured cards. One of which was Credit One. I believe that Its currently my oldest card at about 12 months. But the card is basically a rip off designed for people with terrible credit to get a card. Which I was, but doesnt apply any longer. My question is this: Can I cancel this card without affecting my score? How can I tell what my oldest card on record is? Because I believe that affects a given score greatly, correct? The fees are really high on the card, and there are very little in the way of rewards, so id like to walk away if possible.  <response>: Just cancel it. The only immediate impact is a reduced credit limit. It will still count for avg age of accounts and oldest account for 10 years. 