<prompt> Human: Went to the bank yesterday to open a checking account since I recently moved to a new city. When the banker ran my credit score she mentioned that I was approved for a credit card. I told her I wasnt planning on getting a new card, but she said she would send it to me anyway and if I didnt want it, I didnt have to activate it. The perks of the card arent that good, and I already have 2 other cards with a combined credit of 22,500. I dont think I would ever use the card, but would activating it anyway be smart? The bank already ran a hard credit report which I understand will lower my score no matter what; but activating it would increase my of open lines and would increase my total credit . I have a pretty limited credit history, so I feel like it might be a good idea for me to add an extra account while I am young. Thoughts?  <response>: If they sent you the card, then it is already open whether you activate it or not. Its too late to not open it. 