<prompt> Human: I have a relatively young credit history. My oldest card is from 2011, its an American Express Gold Delta SkyMiles card with a 90 annual fee. My next oldest card is from 2015. I currently have 5 total credit cards open. None of them have a standing balance I pay everything in full immediately after charges clears. Id like to close the American Express card since I dont really use it anymore my other cards have better rewards, and I dont do a lot of flying- especially through Delta, and that 90 is kind of a bummer. I can absolutely afford it, but again, would just rather not pay for a card I dont really use. My credit score is currently around 790-800 according to Credit Karma. Ive been looking into buying a home recently and just opened a credit card, so its probably a bit lower than that in reality due to hard inquiries. I also have no loans of any kind that count for my credit history. But- I just recently repaired my credit score after a divorce very long story short, my ex-husband did not pay a bill he was supposed to, and it dropped my credit to 620- the collection agency forgave me after I wrote them a Goodwill Letter explaining the issue, and my credit immediately jumped back up into the high 700s. So Im really hesitant to do something that could drastically? drop my score again. Essentially, TL;DR: Is it okay to close my oldest credit card in this situation, and how much is it likely to drop my credit score? Thank you in advance. EDIT: ualexm2816 helped me find a solution almost immediately- AmEx started offering a new card in the past year since I had last checked if I could switch over to a no-fee card. I was able to get in touch with AmEx and switch to the no-fee card... So no need for me to close the line at all. Yay! :Assistant: Rather than closing you should ask to transfer it to an amex everyday or other free line. No reason to toss your oldest credit line from a relatively young history. Human: Thank you for the feedback! I contacted AmEx last year around the renewal time and asked if I could transfer it to another card with no fees, and they said they were not able to do it. But it sounds like I should call and check again.Assistant: Did you call before 92017? Since then amex launced a no-fee delta card that I would be surprised if they wouldnt transfer your gold card to. Never hurts to try again I guess. Human: So, youre brilliant- AmEx is switching me over to the Blue card... As such, Ill be able to keep my credit history with them and avoid the annual fee from here on out. I definitely should have thought to call them again and see if anything had changed in the past year, but I really appreciate you telling me about the new card! Thank you again. :  <response>: Glad it could help you out! I lived in a delta hub for years and then moved to a southwest airport city and had the same issue not 6 months ago lol. What is the internet for if not finding strangers with your same niche first world dilemma lol. 