I've had a credit card for 2 years now. I'm 21 years old and would love to check my credit score. I remember checking once online using one of the freecreditreport.com sites, or something similar. At the time it said I was at like 690, but then again I had recently opened the credit card account. Now, I'd like to check my credit score again (i'm sure its been more than a year since I last checked) and have heard I have the option of checking one score at a time, rather than all 3 reports at the same time once a year. I'm a bit confused on whats the best way to check my credit score, one report at a time so i'll be able to view each report only once a year, checking the next every 3 months...and of course would like to do this for free. Secondly, I've had this Citi credit card for 2 years now and have never had a plesant experience with the card. I find the website confusing and the people i've delt with both on the phone's customer support and in person seem to only point me in other directions, making me keep calling and visiting them in person with poor results. Finally, I'm annoyed at the random, hidden charges I notice every few months and even the random APR fees rising... with Citi telling me all I needed to do was call them and complain about it and they'd remove it instantly. So anyways, concerning this: I'm wondering if its okay to cancel this credit card and switch to something else that people would recommend...but then again have heard that closing a credit card can be bad for your credit. Then again, i'm not too aware on the matter (yet).