<prompt> Human: Edit: Thank you everyone for your advice. I guess I was just stressing about nothing because I didnt expect to be given a non-store card when I specially applied for the store card. Hurrah for mostly unused lines of credit.Background: Im in my mid twenties and have an excellent credit score. At this point, my score is almost entirely based on credit cards, as I lack installment loans from school scholarships, car gift from family member, or mortgage renting for next 5 years. Before last week, I had 2 credit cards: a Discover that Ive had for 7 years, and a store card from a tire dealership 1.5 years old that I got when I needed to replace my tires and could get 100 discount and 6 months interest free to pay them off. I pay off my Discover every month and the store card hasnt held a balance since the interest free time.New card issues: I recently lost quite a bit of weight and wanted to do a major closet restocking. I do almost all my clothes shopping at TJMaxxMarshalls and I love HomeGoods, so I decided to apply for their store card for the 10 off first purchase and 5 back after that restrictions apply, obvs. I applied online and had to finish the application via phone. I knew they would have to do a hard credit check, but I was sitting above 810 FICO before then, so I wasnt worried about the ding... After about 2 minutes on the phone, the guy from redacted bank said Congratulations! Youve been approved for our Platinum Mastercard.I did not apply for, nor did I want, the Platinum MasterCard. I wanted a store credit card that could only be used at that specific store. Suffice it to say, I flipped out. I got transferred to customer care who told me that they couldnt do anything until my card arrived in the mail in 1-2 weeks. It took 2 minutes to get approved, but to change it I have to wait 2 weeks???So the card is here now. What do I do? I dont want another line of real credit open. Theres so much more risk in that card being stolen and used elsewhere. At least with the store card, I could only use it in one place. Im not worried about over-spending or anything like that - I live well within my means and have proper savings. If I close this account, it will show up on my credit history as having been open for less than a month. The customer care rep said to downgrade to a store card, I would have to go in person to a store and they wouldnt do another hard credit check, but Im not sure I trust thathim. Im particularly hesitant because they clearly didnt listen to what I wanted when I first applied a store card and approved me for something beyond that.If I downgrade to a store card, will both show up on my credit history? Will that look weirdbad to potential lenders in the future? I really dont have any need for a loan until I move and want to buy a home 5 years from now, possibly longer. No, Im not interested in buying now. The only time I might need a good credit score sooner is if I moved to another rental location, but I have a pretty great deal with my rent right now so that is unlikely.Has anyone had a similar issue and has advice? Should I report the bank to the BBB? Should I just deal with the MasterCard or close it? Does any of this even matter since my score will bounce back without issue in the next 5 years?edit: formatting  <response>: you do realize a store credit card is a line of real credit as well? It makes no difference to your credit 