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2. How to cancel or close a credit card - AOL

   www.aol.com/finance/cancel-close-credit-card...

   Closing a credit card can be the right choice under some circumstances, but there are some misconceptions about how a closed account could impact the age of your credit’s length of age and by ...

3. What to know before closing a credit card with a balance - AOL

   www.aol.com/finance/know-closing-credit-card...

   Credit history: Since the average length of your credit history makes up 15 percent of your FICO score, closing accounts can hurt your credit score in the short term and even over time if you don ...

4. What to know before closing a credit card with a balance - AOL

   www.aol.com/finance/know-closing-credit-card...

   Closing a credit card account can also impact your credit utilization ratio if you have debt on other credit cards and revolving accounts. This factor makes up 30 percent of your FICO score, so ...

5. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   Initiation of negotiations can begin by calling the customer service department of the credit card company. In general, the credit card company will only deal with a consumer when the consumer is behind on payments but capable of making a lump sum payment. A payment plan is not an option; the credit card company will demand that the consumer ...

6. Charge-off - Wikipedia

   en.wikipedia.org/wiki/Charge-off

   This may make obtaining any unsecured or even secured credit more difficult. If the charge-off has been paid in full, it will be listed on the credit report as "paid in full". If settled for less than the amount due, it will be listed as "settled". Even such a listing on a credit report can be negative. [4]

7. 7 Reasons to Close a Bank Account (& How to Do Just That) - AOL

   www.aol.com/lifestyle/7-reasons-close-bank...

   Closing joint bank accounts: According to the Consumer Financial Protection Bureau, most states allow anyone on an account with check-writing privileges to close a joint bank account. However, in ...

8. Authorization hold - Wikipedia

   en.wikipedia.org/wiki/Authorization_hold

   Authorization hold (also card authorization, preauthorization, or preauth) is a service offered by credit and debit card providers whereby the provider puts a hold of the amount approved by the cardholder, reducing the balance of available funds until the merchant clears the transaction (also called settlement), after the transaction is completed or aborted, or because the hold expires.

9. 5 Things To Do if Your Bank Refuses To Cancel Your Credit ...

   www.aol.com/5-things-bank-refuses-cancel...

   Suspecting fraud, Weiss called his bank to cancel his credit card and, in effect, close his account. That was two months ago — meanwhile, his account remains open while suspicious charges accrue.