<prompt> Human: So I mistakenly applied for a credit card while shopping at Banana Republic, thinking it was just going to be some kind of store reward card. I dont know what I was thinking it was an instant 30 discount.... I was thinking about canceling just so I dont have to worry about it, but if I dont plan on using it, should I keep it anyway? I do have another card that I use regularly. edit: Thanks for the input, upvotes all around! I do keep a strict budget, and pay the balance on the card Ive been using off every month. Im not really tempted to shop all the time so I guess keeping the BR card it is.  <response>: Check the details: will the card come with annual fees? If so, cancel. 