<prompt> Human: I have 2 Cap One cards that I used when building my credit back up post young adult destruction. Id like to close them both as they just sit empty and I just got an email from Mint saying the rates went up, which made me catch a 45 member fee. Theyre both set to auto pay anyway, but it made my heart skip a beat when I saw the message come by. For reference, I have 2 other cards Amex and Chase. Theyre all kept at a 0 balance. I also have a mortgage. Zero other debt. My credit score is in the 800s.  <response>: See if they can make it a non membership account. Account history is part of your credit rating. You want to keep your oldest cards active. 