There's no such thing as being "tricked" into opening a credit account. Once you provide your S.S. number, all bets are off!!
If your really that upset about it, pay it off in 6 months, and leave it alone. It'll close on its own for non activity, and YOU will reap the Fico score benefits.
@Anonymous wrote:
I was buying a pair of glasses and they recommended a payment plan I did not know it was a credit card until it was too late now I have a Care Credit Card. The balance is not too expensive and I am not worried about paying it off I have 6 months 0 interest and it is only a $400 balance I plan on paying it off within 2 months or so so my question is once I am done paying it off will closing the Care Credit Card or allowing it to close on its own due to inactivity negatively affect my credit score? I have no other credit cards and my score has been very high due to my student loan payments. I really don't want to mess it up. after this glasses payment I will really have no need for the care credit card. Thoughts?
Pay it down to zero, and either cut it up or sock drawer it, but don't close it until you have another, more functional, credit card in your "credit mix".
Uhm.. keep it?
You took the hard pulls, dont close it immediately, if anything let it close on its own for not being used...
Read your post....
Yes you have student loans, but no other cards?
You may appear to have a high score. but its still not overly stable...
You might want to actually consider having apping for a usable card..
Theres this thing called credit mix .....
There are a few options... Again if you think of it like a debit card, vs a credit card.. you should be able to handle a card or two.
Like anything else.. its all up to you.. But you might find you need credit for other things and the student loan is somewhat treated as a liability not an asset in obtaining these things...
-J
