Unfortunately the fact that the credit account has been closed by the lender will surely hurt your credit history, as the company provides the report to the bureau in all the cases. The credit bureau will be notified of the situation itself and the reason of the account closing, so that your score will get lower. Concerning the necessity to pay off your debt, in this case the account is considered to be frozen as you are not allowed to make purchases, still obliged to return the debt. We recommend you to repay the amount you have already used so that the situation does not get worse. As soon as you do that, you will be able to get the information of your credit score of one of these credit bureaus and apply for another card offered by the best banks at our website. All the best, Manager of Immediate Credit Card Care Service.