<prompt> Human: I filed for a Chapter 13 Bankruptcy a little over 3 years ago after losing my home. Since then, my credit has recovered modestly. 650 on TU right now I have several open cards, most of them have relatively low limits, and theyre all carrying a zero balance. I try not to use them unless I can pay them off the same month.Anyway, of all the cards, only the one issued to me by Credit One has an annual fee, which they charge to me monthly. Ive been thinking about closing it, since Ive got to send them 8.33 every month just to have the card. However, I know age of accounts is a thing on credit reports, and helping the score recover is my main focus right now. The card is one of the first i was able to get after the B13 and has my second highest limit of all my accounts, which is also valuable in a pinch.So, with all that being said, should I close it and take the hit on my report dont know how substantial it would be or just continue paying the 8 to have it on there as an older account, decent limit, and no balance?  <response>: and helping the score recover is my main focus right now.After a bankruptcy making smart financial decisions should be your main focus. Your credit report is going to have a bankruptcy show up on it for several more years. If you are not getting more than 8.33 per month back in rewards then Id close the card. 