<prompt> Human: I have a student credit card and used it very irresponsible I called today and said they might be closing my account due to returned payments. its a debt of about 1k he says even if the account is closed i can sign in make payments but just cant use the card again.I was very depressed and overspending but im in a better place now Is there a way to rebuild my credit? like a secure card? I am not sure if i will get approved thanks.  <response>: Before getting more credit... pay your existing debt.Your post seems to indicate Discover is closing your account fr non-payment - deal with that before anything else. 