<prompt> Human: Hey all,I applied for a chase freedom card 0 APR for 15 Months, 1.5 cash back but when I got the approval they stuck me with a 22 APR. My credit score is currently 790, I have 0 debt, and currently have a total credit line that equals roughly 20 of my yearly income. Im wondering if cancelling a newly opened credit card account which I havent activated yet will hurt my credit score greatly? The reason I wanted the card is that my only 2 credit cards right now are a discover IT card and an amazon prime store card. I dont know much about how credit scores work so any help would be great. Thanks!Assistant: Why should you care what the interest rate is? You shouldnt be planning on carrying a balance. That interest rate is for the fools who do who subsidize your cash back.Human: In case I do need to carry a balance, I dont want to end up paying an extra 4 annual than I should be.  <response>: Planning on carrying a balance is not smart.You need a better source for emergency loans than a credit card when you wont be able to pay it back before interest is due.Start with an emergency fund so you dont find yourself paying 18 interest, which is just as bad as 22. 