<prompt> Human: Hello, I have a cc with an interest rate I am comfortable with 12 and my credit score is low 700s, I decided to go for a second cc with another bank thinking it would be more or less around the same APR as my first cc, I got approved for 3500 at 20.99. I dont want it but my question is if I just keep the cc and never use it, keep it and use it very little, or just cancel it?  <response>: You can keep it and not use it. As with any credit card, if youre using it properly by paying your bills off in full, every month, no exceptions then your interest rate is 0 anyways. 