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- anxiety
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- alcohol or drug abuse
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- inability to sleep (or excess sleep)
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Keep the card open, but use it sparingly. If you want to maintain it open, designate a particular use for it and use it on occasion. Set limits on how much of a balance you can keep on it, or intention to pay it off in full each month. If you need to keep a credit card energetic but do not intend to use it in any respect, inactive accounts could be closed by the creditor. To keep your account active, make a small buy each so often and pay off the stability.