<prompt> Human: Im wondering exactly how badly I fucked up here.I just bought a ring for my soon-to-be-fiancee woo!, and during that purchase process I noticed a zero interest option. Curious, I clicked through, and in order to see what I would be approved for, I started clicking through the forms. I had almost no intention of using it, I was just curious.Unfortunately, I submitted the application, and got approved for an amount that was utterly useless. At this point, I mildly panicked I didnt think I was far enough along in the form to warrant submission, but thats my mistake, and called Wells Fargo, canceling the account immediately.All of this happened in 5 minutes. I then came across this article which hopefully isnt actually all that relevant to my sitaution, except that it mentions Wells Fargo does a hard pull, the amount loaned counts as credit utilization, and lowers the average age of my accounts. Yikes!My question is, how badly did I just fuck my credit? Obviously the hard pull is going to stick damn, but oh well, but does the account actually get counted, since I cancelled it so quickly? Im hoping the openclose will make it different from a normal account, so my average account age doesnt go down. Conversely, since I was given the credit and then paid it off, does my utilization go down too? Or since I closed it, do I lose that utilization?  <response>: My question is, how badly did I just fuck my credit? Better luck next life. Theres no coming back from this. sItll go away. Practice good credit habits and youll be fine. 