<prompt> Human: This was years ago when I was young. I went into my bank and was told about a beneficial credit card cant remember why I wanted to apply for another one. Turns out what I was told about the card wasnt true, and I ended up never using it. Fast forward a few years ago, I found the card on my account and requested to close it because I didnt want a balance to somehow get on the card and not get paid it had a 0 balance. My question is, will this affect my credit score? Is there anyway I can dispute it ever being opened?  <response>: If theres no annual fees, theres no reason to close it. 