<prompt> Human: I have an unused credit card through Barclays Bank and I want to cancel it, so long as it doesnt have a negative impact on me. I feel its just a liability at this point since I dont even carry the card with me.The facts: I have 4 credit cards including the one in question, 15 credit utilization, a total of 3500 in credit card debt. The card limit is about 1700. My credit score is 723.Im thinking this is going to hurt my score since closing the card will reduce my available credit and bump up my utilization.What say you guys?  <response>: Rule is to only close it if theres an annual fee. Keep it open if its free, itll help your credit. 