By closinganaccount, you will reduce your total available credit and raise your utilization ratio, which can hurt your score.
关闭一个账户，就等于减少了自己的可用信用总值、推升了信用使用率，从而导致降分。
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A compound journal entry is an entry that includes debits or credits to more than one account, and it is an easy and time-saving method of closing the accounts.