<prompt> Human: Hello! After doing some research I applied for a Capital One card and a Discovery card. Having never applied for a credit card before, I was under the impression that once accepted, you would be able to decline the offer. I applied for both, thinking I could accept the Discovery offer if it came through7-10 days and then reject the Capital One. However, Capital One immediately accepted me. The question is: Do I wait to see what Discovery says, and if accepted, cancel the CO card or hold on to the CO card? It does not have any fees, and I heard that having a card that you arent using assuming it has no fees will not affect credit score. Thoughts?  <response>: If there are no annual fees, you might as well keep them to build credit. Utilize the card once every 6 months to keep it active. 