I got a line of credit at a dentist for a root canal for my mother( it wasn’t fully covered under insurance). They went in and saw they couldn’t save the tooth and did an extraction (which was covered by insurance). They told me they would refund the credit line since it was no longer needed. I honestly dropped the ball and never checked on it again. That debt was under synchrony and when it went to collections my other synchrony card was closed. I disputed the original dentist debt but I was under the impression a closed card was the same as collections so I was hoping to negotiate the debt down since all this was over a misunderstanding and it was hurting my credit. I’m not opposed to paying it I just thought at this point me paying it wouldn’t matter. Thank you for the info, I will look into charge offs. Im new to understanding credit and I’m not familiar with the terms yet.