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Won't closing a card without cancelling impact your credit score as all the the declines pile up?


A decline by itself, especially to a cancelled or expired card will not impact your credit score.

The entity charging you would need to report your missing payments to a credit agency. And to do that generally they need your social security number.

For the most part, you can be reasonable sure that unless you gave them your social security number they will not show up on your credit report.




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