While consumers may be tempted to sign up for an in-store credit card or a rewards card, financial experts say doing so could be counterproductive to a good credit history. Ben Woolsey, director of marketing and consumer research for CreditCards.com, says that "even if you don’t use the credit, just having it available to you can make you look risky to future lenders.” College students, in particular, do not need more than one credit card. A 2009 survey by Sallie Mae found that 91 percent of undergraduates have at least one credit card, up from 76 percent in 2004. By applying for a new credit card, consumers launch a hard inquiry with the lender, which can hurt their credit score. Under the CARD Act of 2009, students under age 21 cannot apply for credit cards without proven income or a co-signer on the account. Students and graduates can follow steps to cancel a card without damaging their credit history. First, consumers should keep the credit account they have had the longest. Those who are looking to take out a loan or apply for a new card should not close an account. However, if students are struggling to keep up with a high interest rate or annual fees, it may be better to close that account. Balances should be brought down to zero before consumers request that the account be closed. Borrowers can request that an account be closed by email, phone, or mail but should call the credit card company and confirm that the account is to be closed. This can take weeks or even months.