I applied and was approved for a TD Retail Card Services store credit card about two weeks ago but ultimately did not use it for my purchase. The card is currently sitting at $0 balance, and I do not intend to use it at any point in the future.
Right now, my options are:
- Request the closure of the card, which will be reported to the credit bureaus as closed at the customer’s request.
- TD Retail Card Services will close it automatically after 18-24 months of non-usage.
My credit score for all three bureaus is currently in the 790-800 range, and my overall credit usage hovers around 0-1% as I pay off all charges immediately. Which option for the unwanted card will result in the least impact to my score?