tenzin

I got this credit card(a secured one) a lil more than a year ago from my bank.I was new to the CC world back then, and didn't mind paying a $29(annual fee)to get my credit history started.Lil did I know that after a year,when my service would be upgraded(i.e move from a secured to unsecured,with the bank refunding my initial deposit) my annual fee would still cling on.

Obviously, I don't want to pay this annual fee when I am getting so many better offers with no annual fee these days. The bank has also clearly stated that if I contact them soon to have this canceled,I wouldn't have to pay this fee.However, the thing about "closing a good standing ,especially the oldest card isn't good" is ringing in my head.what should I do?give me a better idea to negotiate with my bank

Does our credit score get hurt when we cancel our old cc?

i worked fulltime for one company in the last year where I received payment via checks but was not considered an employee of the company, enjoyed no benefits and wasn't even listed with the company's payroll.Under what status do I file my taxes? Employee/Free Lancer? Are free lancers considered self employed?

am looking for a 1bdrm apt in Astoria ,NY for around $1100...near subway.Planning to move in Feb.Know anyone moving out?