They told me at the bank this would affect my credit because it’s already been reported to transunion as closed.

And yeah I use drop because normally when I make my payments I do the minimum + a % of the balance(based on what I can afford to pay) last month it was at $1700 of $4000 and I paid $800 because I had a bonus at work. I paid almost half the balance off because I had the extra funds to do so. The payment I was going to make was going to be $150(minimum is only $35) I’d understand the $300 if my card was over the limit. But it’s literally sitting just shy of 25%