<prompt> Human: So when I was under age, my mother opened a card in both our names to help get my credit established. The intention was good. I have never had access to the paymentaccount settingsetc.. we briefly jointly used the card while I was in college for bills or emergencies.Now Im 31. Married. Im all set credit wise... But this account still exists. I feel that i need to not have that risk of a shared account. So I will be calling the company, but Im 90 sure my options are closing it or leaving it as is. This means my oldest account 14yrs will close and my credit will take a hit. Is it worth it, personalfinance?  <response>: This is an old wives tale. Closing an old card doesnt affect your age of credit for at least ten years for FICO scores, which is what lenders use. 