<prompt> Human: I have a Discover IT card that I have not used in over a year, I have been using a Chase Freedom Unlimited for said year. Will it hurt my credit score to cancel the Discover card or should I just keep it and continue to use the Chase?  <response>: When to cancel an old CC?When it has an annual fee or deposit requirement like a secured card and the company wont transfer you to a card without an annual fee or deposit requirement. Will it hurt my credit score to cancel the Discover card or should I just keep it and continue to use the Chase?It certainly wont help your score. Closing the Discover IT card will lower your average age of accounts and lower your available credit which raises your utilization. Thus its likely, but not guaranteed to negatively impact your score. or should I just keep it and continue to use the Chase?Why not put a tiny monthly recurring charge on it like netflix or something? That way it will continue to add positively to your credit history every month. 