<prompt> Human: I was buying some clothes at The Bay Canada and as I was checking out the cashier mentioned that I could receive 15 off my purchase if I singed up for the Hudsons Bay rewards card At the time I was thinking this was just a points card. I was a little suspicious and double checked with the cashier that this was just a points card not a mastercardvisa. The cashier made it clear that it was not a mastercardvisa. The cashier asked me to sign and enter my name email in a pamphlet. Then I gave her my credit card signed a receipt. then she placed the pamphlet in the bag so I never looked at it in detail until I got home.I never saw the front page of this pamphlet when I was in the store but now that I see it says Hudsons Bay Credit Application so that is clearly a credit card. There is an option to sign up for a HB mastercard or just a HB credit card. So I guess the cashier wasnt technically lying when she said it wasnt a mastercard. But its still a credit card and thats not what I wanted. I checked my Visa statement and I dont see the charges for the clothing so Im assuming it was charged to this credit card and I will receive a bill sometime in the next month. My Question: If I just pay off this card then cancel will that have a noticeable negative effect on my credit rating?  <response>: If I just pay off this card then cancel will that have a noticeable negative effect on my credit rating?No. Just do that and then read stuff before you sign it in the future. 