<prompt> Human: I am a complete idiot. Just throwing this out there.I applied for the Amazon Prime Visa card without knowing it was a credit card dont ask how, I already know Im an idiot.I just now applied for it, I havent used it or even activated it.I want to cancel it but Ive read that cancelling hurts your credit score. Ive never had a credit card or anything. Basically, I dont think I have a lot of padding.Would it be best to cancel the card, keep the card but dont use it, or use the card?Again, I already know Im an idiot. Ive learned from this mistake.  <response>: If youve never had a credit card before, this could be a blessing in disguise. One factor that goes into your credit score is how long youve had your open credit lines - which means you want to get a card as early as possible. Another factor is the percentage of your available credit you are using the lower the better. The best thing you can do is spend a little bit on your card every month and pay it off immediately, before you get hit with interest. That way you get whatever benefits the card gives you and you work on building your credit.Good luck! 