If it has high fees and it’s a shitty card. Like for example a green dot secured credit card. Many people are using this as I have to build their credit. Once your credit is fine to get better cards, then u get the better card. And in all honesty, you won’t have to keep it for anything over 2 years. After two years, close and open a new one, a new card with 0 fees attached. What you are saying is also true, erasing credit history is a problem. However, one would only find themselves in the problem your claiming if the shitty card was their “first ever line of credit”. Credit building cards usually come in to play while ur re-building, meaning your have had credit history before.