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"You see, these offers go out making it sound like you've already been approved and all it takes is for you to say, "Yeah! Send me the card. I'll take it."
But that's not the case. Once you reply that you want the card, they'll then run the credit check to see if you qualify for it."


I have two cards Sears and Structure that have a $0 balance. Between the two, it's about $4000 of potential debt. If I closed these accounts, would it affect my credit report positively?

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