<prompt> Human: For emergencies.UPDATE: Thanks to everybodys advice, I was able to downgrade to a card with less benefits that I dont use anyways, and no annual fee -- all while keeping my credit limit and my account open. Thank you Redditors. Update II: I was also able to get a refund on this current annual fee because it was within 30 days of the statement. Assistant: Is this your only credit card? How much other credit card available credit do you have?Human: No, I have two other cards, primary and alternate. The total limit on the other two is just about 12K. Im in debt about 2K total but Im working to get that down to about 800. Credit score is 800, dont wanna ruin it. Assistant: Id kill the debt, save an emergency fund of 3 to 6 months of expenses to feel more secure, and then cancel the card to save the annual fee.Human: While thats optimal, its not currently feasible unless I stop paying my bills... I am working to payoff the debt down to 800 because I heard having a balance of around 5 percent of the cards limit, helps your credit score.  <response>: I heard having a balance of around 5 percent of the cards limit, helps your credit score.Thats for your statement balance, which gets reported to the credit bureaus. You should never carry a balance. Just pay your card off in full every month. 