<prompt> Human: Im thinking of closing my Victorias secret credit card because I paid off my account months ago and Im still getting random finance charges. I dont know if thats normal but that doesnt seem fair that Im still getting charged even after paying the bill off. Fast forward. I bought myself a bathrobe for christmas. I owed about 50. I made the minimum payment of 27 because money was tight at the time. Fast forward 3 weeks and I lost my job. I got a new one not long after. I missed Februarys payment because I only had 5 in the bank and my current job only paid me for 3 daysI started on the end of their billing cycle I had no money to pay for it. Im going to ask them later today to waive the late fee and possibly close my account. The card was there so I can use it when needed. I dont shop at Victorias secret very often and I wanted to use it to build credit. Will I lose credit by closing the card?  <response>: Possibly. It does lower your available credit. Your credit utilization can become worse. The late payment will do worse so if you can keep that off that would be good.Generally speaking. Department store cards are the worst deal out there.In terms of keeping the card. Id still close it even if it does impact your credit. If you had a difficult time paying off a card with a 50 balance then any modest balance will take you months or years. To me, the temptation isnt worth it. 