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Puntificator

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By accident I opened a credit account 4 days ago. Can I close it now without negative credit score.

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Call and ask or keep account open

You should speak with the creditor. You will definitely eat the hit for the credit inquiry, but the effect will be short term. Whether or not the opening and closing of the account will be reported to the credit bureaus is up to the creditor. Maybe it's a good a idea to keep the account open to keep your overall utilization low.

Top Contributor
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You took a Hit with the Hard Inquire when you opened the account and you will take a hit if you close the account.   If you don't plan on using the account then put the credit card in a safe place.   One only carry one of our Credit Cards on us the rest are put away with all the statements never to see day light.

Having a Credit Card does not mean you have to use it.

Also if the account you signed up for has a yearly fee then Yes go ahead and close it.  Nobody should pay any type of yearly fees on any credit card other then a secured Credit Card when you are building up your credit and then only for 4 or 5 years then close the account.

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