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Of course, sometimes it is good to keep some credit accounts open for your credit history. However, the TD Aeroplan Visa credit card has an annual fee, which is rather high, so you may not want to keep it open. If you have several active credit cards, you may close your Aeroplan credit card without significantly lowering your credit score. And if you make all your monthly bill payments with all your creditors on time and keep your balances low, you should be able to bring your credit score back rather fast.