<prompt> Human: In an effort to get rid of my credit card debt, I looked into some loans to consolidate the debt at a lower rate. I applied for one online from a credit karma link but then ultimately found one for a lower rate from my bank. I got the loan from my bank and paid off the credit cards Saturday morning. Now this morning I get an email that this other loan was approved and sent money to my credit cards to pay them off. What do I do? Are my cards just going to have a huge credit? I didnt think the loan was just going to suddenly be approved and money would be sent. Ultimately I guess its my fault. And am I going to be out whatever admin fee is on this loan? I think it was a few hundred dollars. ThanksAssistant: I think its a bit premature for Solutions on Reddit until you actually talk to the company and find out what your recourse is. There may be a introductory honeymoon where you can cancel with no obligation but the only way youre going to find this out is to talk to them. If you dont get what youre looking for there then you come back here and people can probably give you adviceHuman: You might be right. Just trying to get a jump on it as I am leaving the country in less than a week.  <response>: Then you should be on the phone with the online lender now, or looking at the terms of the loan to see if theres a grace period to cancel the loan and return the money. 