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With large charge card companies, This may take place accidentally, for example sending you an automated observe or statement. Closing your account is definitely the most secure way for companies to stop this threat.
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It is also standard to have a secured credit score account, like a home furniture or jewelry store card. Automobile loans, household furniture accounts, and jewellery store cards are "secured" simply because you should promise to return the merchandise when you fail to help make payments.
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