For example, a higher amount owed on one credit card as opposed to another causes more damage to your score than the card with the smaller balance. (autoloansolutions.ca)
Never shut the account down officially as this can cause further damage to your score. (inc.com)
While it typically won't be as damaging to your score as a bankruptcy, it will still be significant and this will stay on your credit history for seven years. (lendedu.com)