<prompt> Human: I have a credit card through a local well, theyre not-so-local to me anymore credit union in a town I moved away from a few years ago. I dont use my account with the credit union only have a savings account with the minimum balance; I only keep it open because its required for the credit card.Ive been thinking about closing the account and dropping the card. My name is on my SOs credit card were married, so I still have a card I can use. Im worried though, because I dont know how my credit score would be affected by cancelling my credit card. Ive always paid it in full every month for the 3-5 years Ive had it, theyve increased my credit limit multiple times without my requesting it too, so I know Im in good standing with them.TL;DR Can anyone help me understand the proscons of cancelling my credit card?Assistant: Basefibber is right, credit utilization affects your score. If you have a few open cards with low balances, it wont affect your credit much to close it. But if you only have 1 other card open, the impact on your score might be a bit greater. To keep your credit score high, keep your balances low, use your cards regularly and pay your bills on time always.Human: Were in a situation where we arent planning on taking out any big loans carhouseetc any time soon, so Im not too concerned about small short-term hits to my score. The problem is that the credit union I have the savings account with the one I only have because its required in order to keep the credit card is starting to introduce fees for having no account activity. So I want to close that account, which would mean forfeiting the credit card.  <response>: It wont harm your score much to close it, and if youre using the other card regularly you will rebuild the lost points pretty quickly. The sad thing is credit isnt an exact science yet, so its impossible to know exactly how closing it will affect your credit score and by how much. But if youre not planning on borrowing anytime soon, youll have the time to gain back points lost, if any. 