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Applying for a credit card does not mean that a person has to us it. It is advisable that the person does not cancel the card, as this actually is harmful to credit scores, while having an unused credit card can be beneficial for credit scores.

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โˆ™ 2014-09-18 00:17:06
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If there is an erroneous payment then

These funds last 5 years have limited use and cannot pay for new obligations

How do you know which transactions are awaiting your approval

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Q: If you apply for a credit card do you then have an option to accept or decline if you get approved or do you have to cancel the card if you decide not to take it?
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