<prompt> Human: BACKGROUND:Nothing terrible. I started my first career job last year 3k a month and decided last month to get my first real credit cards to do more to keep building credit previously had a wells fargo card that I rarely used. I ALWAYS pay on time, never accrue interest, dont spend more than I have. I ended up getting a Barclays Arrival plus for the sign in bonus and originally applied for a Chase Sapphire but was rejected for low account age even though my score is around 750 with perfect payments. So I got a Quicksilver for daily use instead. All this was done in January so I imagine my credit took a hit.ISSUE:Anyways the other day I wanted to purchase a higher end keyboard so I went to Guitar Center to take advantage of the 12 month interest free financing; to be informed it only works with their store card. Without thinking I applied for it and got instantly approved for 2.5k, only to find out that the keyboard I wanted was out of stock. I ended up purchasing a guitar that I took a liking to that was only 120 dollars, and placed it on the card since it was already approved. So Ill be paying 10 dollars a month for a guitar. I ended up finding the keyboard I wanted for half the price used on craigslist. QUESTION:Since its pointless for me to have tihs card now that I have the keyboard, and paying 10 bucks a month for a guitar is kind of ridiculous, is there any way I can just cancel this card? I feel like having a store card is just going to do negative things to my credit and be a burden. Is the hard hit to my credit irreversible? Is it smart to cancel this card since I already have a low account age average? What is the best thing to do after this dumb move?  <response>: There are a bunch of theories about this crap. Here is mine based on decades of mistakes: Pay the damn thing off. Close the account. Dont make that mistake again. 