<prompt> Human: Hey everyone,I have a capital one credit card that I have had open for about 10-12 years now that I dont really use. The interest rate on it is not the best and it has no perks, like cash back, flight miles or anything like that. In my credit report, it says that my longest line of creditthis card is a good thing for my credit score. My question is, if I were to cancel this card in lieu of something better for me, would that ultimately harm my credit to the point of it not being worth it?Assistant: Generally speaking, you keep them. I assume theres no annual fee?On my credit score, it says one of my pluses is that my lines of credit are very long.Go for another one if you like for the perks, churning, whatever, but make sure this one is kept active. Maybe charge a gas purchase onceyear. I had one of my long term cards cancelled due to non-use. I wish they warned me before they did it...I would have used itHuman: No annual fee. And I thought of just opening a third cardI have two currently but I also know that too many lines of credit is bad as well. In addition to CCs I have 2 student loans and a car loan.  <response>: Too many lines of credit being bad is, in general, a myth. Opening too many at once is bad because you dont want a ton of inquiries, and you also drag your average account age down. BUT, the more cards you open, the less that matters. In your situation, opening a third card is much better than closing the first. 