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[quote=Anonymous][quote]That is terrible advice. Keep the card active, just don't carry around with you, or otherwise keep yourself from using it except in emergencies. Your credit score later will thank you.[/quote]
I'm the one who offered this "terrible" advice -- it's not terrible. There are other ways to build a credit history than having THIS ONE credit card which s/he's already demonstrated a little bit of irresponsible behavior with (I'm not knocking you, OP - again, I've been there, seriously.)

It's awesome that YOU have the willpower to just stash a card in a drawer forever and never think about it. I have that willpower too -- at age 42. At age 21? Not so much. Sometimes it is better not to have the temptation. Only the OP can make the call on that.

[quote]NOt to mention the myth that closing a card will affect the length of credit history. Good trade lines stay (and count!) for 10 years. Bad ones, 7.[/quote]
Good! Happy to be wrong. Even more reason to consider closing this card. [/quote]

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