<prompt> Human: I went through the application process for a Discover credit card and at the end, they said I had to call in to do some follow up if I wanted to be approved for the card. Three weeks later, I received an email from Discover telling me that my card would arrive in 3-5 days, even though I never called to complete my application. In those 3 weeks, I applied for and received a Capital One card, if that makes a difference.I dont want 2 credit cards as I am just starting to build my credit. Can I just not activate the card, or do I have to take some action to make sure the Discover card is not active and count against my credit?  <response>: Having two credit cards will not hurt your credit. Youve already taken the hard pull from Discover, theres nothing you can do about that now. The additional credit line will help you with keeping your utilization lower, and assuming these are your first credit cards, youll have two oldest accounts which in the long run will help your average age of credit quite a bit. 