<prompt> Human: About a month and a half ago me and my new wife opened up a joint bank account at Wells-Fargo. The lady at the bank who set us up asked us if we wanted to get the banks credit card, but we said no as we figured wed shop around before deciding. Anyhow, not much time later a credit card arrived in the mail, which I didnt much look at because I thought it was a credit card offer, which is quite common to receive in the mail, and means nothing. It turns out however that this was not an offer, the bank had opened a credit card for us without our permission. Now they tell us that closing it out would look bad on our credit scores since it was recently opened, and that we should just use the card.Admittedly, we have been shopping around for a credit card to use, but this tactic seems manipulative and unfair. Is the banker right that closing the card would hurt our score? Also, one reason I havent acted sooner is that Im not 100 sure how to compare credit cards to one another effectively. My credit score is in the high 700s, but this card only has a 5000 limit. Is that low? My income is very low I make 16kyear, my wife currently makes nothing; starting september well each be making 18kyear, so things are looking up and we may in the future want to use more than 30 of 5000 in a month so perhaps that is normal? I think part of what is confusing about comparison shopping for credit cards is that exact, easy to understand information on the credit cards rewards can be hard to find. Does anyone know a good resource for this?  <response>: As posted by another user, signing you up for a card without yor conscent is illegal and the bank or police should sort it out for you. There is no reason you should go through the normal cancelation methods when they didnt go through the normal initiation methods. Go to the police and financial boards, give them as much grief as possible until they remove the account from your credit history, not just close the account.For the cards themselves a 5000 limit is NOT low. Although your score is high your income is low, and if youre asking this k assume you dont have many or any other credit cards. 5000 is actually a bit high for a starter limit 2000 seems about average. Remember that every 6-12 months you can request a credit line increase so you could very well have a 10,000 limit or higher on the next year if youre lucky and pay all your bills on timekeep a low balance. 