<prompt> Human: Hi rpersonalfinance,When researching for my first credit card, I unintentionally applied for a Chase Freedom card stupid of me, I know. After looking over my finances, reading this subs wiki, and some help from my family, I am considering not getting a credit card at all. So my question is, will this application hurt me? What happens if I am approved and do not want the card after all? I know a single hard inquiry wont really hurt my credit. Any advice or pointers to similar threads would be greatly appreciated. Thanks!  <response>: Lol credit cards are only bad when abused. I think most people on here would agree that you need good credit, and getting a card or two is often the best way to start.Thats a good card. Id say just keep it. Put a couple bills on it with auto-pay and pay it off immediately. Youll probably see your credit go up from having low credit utilization. 