Just as a note, when my oldest card shows a balance my score jumps about 10-15 points versus when not showing. Scores from from 785-805 to 795-817 , I have a recurring charge very 3 months on that card. In saying that if you have prime cards, I would dump the sub prime and maybe take a small hit for a while. 90 per year plus 6 a month is not worth the small if any score change/benefit. In Long run say 6-12 months it would be same but you'd have about 150 bucks in your pocket.