<prompt> Human: First off, this is a throw away because Im currently kind of scared shitless on all levels. I am 20, I am in college, and currently have one credit card that I use for gas and food, and one debit card that I have a savings account with. My dad did originally set up the cards for me, so I have zero idea of what that all entailed. Please do be kind and respectful, though straight forward, as I am here to learn and would like some advice on my situation. I have called Victorias Secrets customer service line and got some somewhat helpful information, but I would also like to know where else to look.What happened: I went to VS to buy a couple of bras and at checkout the lady asked me if I wanted to take 15 dollars off by signing up for VS Angels. I literally just thought it would be some type of points card, that is it. As I have done that sort of thing before with zero consequences. Not once did she tell me what it truly is or explain to me all of the cons of it. I do take responsibility for being naive, but I am moving past that now.Anyway, so I signed up for the card and she was like Okay, heres all your new credit card info, itll be shipped to you in a week. I was floored. I do not want a new credit card, I have no need for this VS credit card, I am scared shitless.I have heard horror stories of bad credit ruining you for life, etc. I am usually a very responsible person, never borrow money, have no loans, nothing like that. The card is with Comenity Bank; I do not even know who that is. I have Chase and Bank of America. I want to minimize damage being done to my credit. The options I have heard so far are:1 Close the card immediately and damage your credit2 Pay off the card which I did immediately once I realized what had happened and dont use it, which will damage your credit3 Use the card and pay the bills on time each month and this wont damage your credit?Please help me. I am really scared that I have fucked up my life by unknowingly getting this card. Have I screwed myself over? People open these Angels cards all the time, surely this isnt some colossal screw up.Any advice, or directions on where to go from here would be great. Im really freaking out. I have never done something like this before. I had no idea this was a credit card, VS even told me that she should have briefed me. I am not a huge shopper of VS, I get bras like 1-2 times a year in batches of 2-4. My anxiety is clearly getting the best of me but I am just really scared. Assistant: Take a chill pill. It doesnt matter and honestly, nobody cares. 1 Close the card immediately and damage your creditPointless course of action. 2 Pay off the card which I did immediately once I realized what had happened and dont use it, which will damage your creditThis doesnt damage your credit. 3 Use the card and pay the bills on time each month and this wont damage your credit?Who cares? It doesnt matter. Pay your bill in full when it comes and forget about it.Human: The customer service woman told me that if I pay off the card - which I did - and then let it sit forever without charging anything to it, my credit can drop from inactivity?  <response>: No. 