<prompt> Human: I just opened an account with Capital One a month ago. I didnt think to research reviews on this card before signing up for it until now. Ive read a lot of bad reviews about Capital One credit cards online. Now I dont want this card anymore.Will closing the card negatively impact my FICO?  <response>: If it doesnt have a fee then just dont use it but leave it open and cut up the card. If it does have a fee, call them and downgrade the card to a version with no fee 