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how do I permanantly remove unwanted/unused credit cards from our lives and credit scores?
We recently tried to go with a 0% for 1yr credit card offer where we would transfer our debt of approx $4,000 to that card. We were assured that if we did not qualify for the full balance transfer we would have the choice to decline the card and it would not show up on our credit report, however, they lied! It is on our credit report, has made it lower, and we don't even want or ever plan to use the thing!! How can we permanantly get rid of it and off of our credit? please help. We are angry about this and feel so taken advantage of and lied to. Thank you

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