~*`Sweet Rai`*~ Blog+~xoxo~

do you have a bad credit card Your credit report will show that your collection accounts have been closed. They’ll still show up on your credit report, so your credit will be ruined until you are able to repair it (through time and more responsible care of your credit).

Even if your accounts are still active, you will be paying high interest rates because you defaulted, which allows them to charge the regular rate. You might want to start anew, so that you have a better interest rate and your limit will be much lower, allowing you to maintain control of your credit.

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