You are paying a very high interest rate, and an annual fee to boot? Not appropriate, unless there is a bankruptcy or serious credit problems in your past. If you really have good credit, there should be absolutely no trouble getting a fistfull of cards with single digit interest rates. If you close the one you have first and then apply for another, it is just POSSIBLE that something will happen in the interim that you REALLY need a card for. So apply for the new one now. Check out www.bankrates.com for choices, and read the board for banks Fools like. If they do indeed assess the annual fee, you are allowed at that point to cut the card in pieces, and return it to them with a request to remove the annual fee, which they must do. Best wishes, Chris
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