### Comment:
It won't be detrimental to credit score... 
  
 Having an open credit card with no charges will increase avg age of credit and also keep utilization low.

### REPLY:
I still use it, just the minimum to keep it open.  
 Look into private banking though.  
 That’s what the wealthy people use. Allows for more creative and competitive financing options if you have the money or hard assets rather than a line for a credit card based on income.

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