Hello! I am 19 years old, ive had a credit card for 2 years and have never missed a payment, I accidentally gave my information for what i thought was a discount card, and when I discovered it was in fact a credit card, I called the account holders and cancelled the account, it had a zero balance and was never charged. How is this going to effect my score? I have read reports that the negative effects are temporary, but im not sure what that means. Can someone please give me a detailed answer as to what I am dealing with? thank you!