<prompt> Human: So I know its normally good to keep your oldest line of credit - this thing has probably been opened for 10 years. The APR is really high, but since Ive paid it off, I never use it. They have been charging me 8month as a fee for the last two years. The available credit is 3k so its not like its helping my credit report that much.Should I just cancel and take the short-term hit on my credit? Do they normally knock off fees for having a 0 balance if I reach out and complain? Keep it? Thanks in advance.  <response>: If you put a small recurring charge like Netflix on there and autopay it every month, does that avoid the fee? 8 a month is BS, do not continue to pay this. 