Much appreciation to all... This site has helped me a lot in the short time I've been on here!
I cancelled my card but after reading these posts and some tips from this site, I re-opened within 24hrs so no problem, not credit hit, etc.
I also looked at my old accounts, closing only a store account but re-ordering cards that I have previously cut up so I can use them every couple months. Average account is 4yrs old!
Thanks!