Originally Posted by STS-134

I don't know exactly how the FICO algorithm works, but I highly doubt canceling my MPE is going to even move the needle that much. My usage on average, after canceling the MPE, would go from < 10% to < 10%, and I'm not sure if the algorithm even differentiates between such small changes. If it does, it's likely a few points, and why would I care about that when everything about about 740-760 is the same to lenders anyway? That's definitely NOT a good reason to keep paying an annual fee on a crappy card that you won't use.