Sounds words as well Lynette. I didn't originally know that the card would still report on my credit for another 10 years regardless if it was closed or not. I'm thinking about researching some new cards, and applying for one. If the terms and the limit are good for me, I'm probably going to close the oldest card. If the terms dont suit me, I'll just not activate the new one, cancel it, and leave things be for a while.