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'white people don't hold black people back'

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'white people don't hold black people back'
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Your card expires? That doesn’t mean much. They just send a new card. Or, are you saying your access to the college line of credit ends. Do you want to cancel your discover line? Card expiration is about card security, not about the line of credit that the card accesses.
The credit line stays open even if the card expires. Keep it open: it’ll raise your average credit line age, which helps your score.