Right, obviously I'd rather cancel if I don't need it, so I wondered if there was a way to "back out" of it if, like, the card hasn't been activated or used. Rather than a regular cancel which would negatively affect the credit score a lot. Like, people usually suggest downgrading a card with an annual fee to one that doesn't have an annual fee for the sake of not having a canceled card on your report. But maybe I'm overestimating the effect. It just seemed like it would be less of a hassle if I could just annul it if that was an option.