<prompt> Human: As of this morning I had three credit cards1st financial bank - since 2006 - used twice - annual fee but if I call and update my contact info it is waived.Capital one - since 2012 - 0 balanceChase - since 2014 - balance, 0 int until 042015As I was about to make my yearly call to 1st financial bank to get the fee waived, I said to myself, why do I still have this card. I will probably get another credit card at some point down the road, so why have four total. So I called and canceled. Did I make a mistake? Is this card that I never use going to affect my credit because I canceled? Thanks,D  <response>: The problem is that you cancelled your longest-standing account. Now your average account age is much shorter. This does impact your credit score. 