<prompt> Human: I started building credit when I was 18, but couldnt get a regular credit card. I opted for a secured card, with a 50 deposit, and 30 annual fee.I am now 23, with a 751 credit score, and multiple credit cards. Should I cancel that first card I opened? Is it worth losing that age of credit history to save 3 a month? I dont plan on needing my credit checked in the near future.EDIT: Ive tried calling Capital One, and they wont waive the fee. There are no benefits, either. My biggest concern is how much it will affect my credit. I have 5 years of perfect history so far.EDIT 2: I canceled it. Thanks for your help!  <response>: If youre not looking to borrow money in the near future, its probably worth taking a short term hit to your score to get rid of a pointless expense. 