As can be seen here: When/how does the Quick Learner merit work? The quick learner positive quality comes into effect only AFTER character creation. Are there any other qualities for which this is the case? OR is this the only one? (With effect I mean they have effects on costs,.... but not on character creation costs but only for costs afterwards).
The closest result I can find is Old Soul because it only affects untrained skills, which come only after character creation. Even if you started unskilled and learn it, you lose the Quality's bonus so things after the creation change the way it functions instead of being static throughout (IE -3 on Roll-Type-X, even if you have a +10)