I applied for a Chase Freedom card online and was approved instantly. I just got the card in the mail and I haven't activated it yet. I called in to ask if they can upgrade my cashback rate to match a promotion they sent to me in the mail for the same Chase Freedom card. The second they picked up the phone and confirmed my name and credit card number, they said "Your card is activated now." I was like WTF? I didn't tell you to do that, I just wanted to ask a question! They said they couldn't upgrade the cashback rate. *Fumes*

So I didn't want this card anymore. I will reapply for the mail in promotion. I was transferred to someone else who closed my account. I asked if this will affect my FICO and he told me that it will be listed as an "account rejection so it will not affect your credit" (his exact words). I am very suspicious as he sounded like he just wanted me off the phone.

I know FICO is a really obscure establishment and no one really knows how it works, but is my credit really going to be affected by this activation-closing quickie? What's an "account rejection"?
user
Activated a Chase Freedom card via online application while it was still in the mail. Then they said "Your card is activated." I went to close the account 10 minutes later and was told my account has been rejected so it won't affect my FICO. Is my credit
assistant
I applied for a Chase Freedom card online and was approved instantly. I just got the card in the mail and I haven't activated it yet. I called in to ask if they can upgrade my cashback rate to match a promotion they sent to me in the mail for the same Chase Freedom card. The second they picked up the phone and confirmed my name and credit card number, they said "Your card is activated now." I was like WTF? I didn't tell you to do that, I just wanted to ask a question! They said they couldn't upgrade the cashback rate. *Fumes*

So I didn't want this card anymore. I will reapply for the mail in promotion. I was transferred to someone else who closed my account. I asked if this will affect my FICO and he told me that it will be listed as an "account rejection so it will not affect your credit" (his exact words). I am very suspicious as he sounded like he just wanted me off the phone.

I know FICO is a really obscure establishment and no one really knows how it works, but is my credit really going to be affected by this activation-closing quickie? What's an "account rejection"?
user
Credit card activator told me they couldn't upgrade my cashback rate without my consent. I took the card home, didn't do anything, and closed the account 10 minutes later. What's going to happen to my FICO including this?
assistant