I now have a QS and Platinum card through Capital One both with $ 500 credit limit. I do not want this Capital One $ 200 CL card to become my oldest line of credit. Should I get rid of the card now, or hold off for at least a year? We can no longer make deposits on the account and I have had the card since June 2015 with no credit increase on it even though i make multiple monthly payments and have never been late. I do understand these cards are not meant to grow. When is the best time to chop it up and close the account?