Close your credit cards "at consumer's request" - do not wait to be cancelled

[Modee]

On your credit profiles, accounts that were closed at credit grantor's request count against you - those closed at consumer's request do not.
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[cholonya]

Here is the thing. I (with my girlfriend) won an auction on eBay and used my girlfriends paypal to pay it. After 1-2 hours we made the payment, paypal...