If I close a credit card with a balance, how much damage do I do to my credit?

I am having a trouble making my payments, I called to ask if they would lower my minimum payment. They declined. And the kicker ... they decreased my credit limit by $10,000! It's a Bank of America Card. I've never been late and a loyal customer for 10 years. Should I skip my payment... or close the account completely and take the hit. Your thoughts please.

What is the best finishing move you have ever seen?

I was going to say The Canadian Destroyer before I click on your question. I totally agree with you.

Are federal student loans linked between schools?

What if I was awarded x amount at this particular school, declined it but are attending a different school. If I declined it at the first school, does that mean I declined it at every school? Is there a way to back track and accept it?

What should we name our farm?

You could still do Appy Trails Farm. I don't think anyone will scold you for not having only spotted horses (it's a play on words, too, since horsepeople know "Appy" is short for a breed name...like, you don't have to be Appy breeders necessarily to use it), and it's a cute name you already know you like. :)

Is he interested? should i make the first move?

Sounds like he has a lot going on that you don't really know about. Well he likes you otherwise he wouldn't ask you out. And you like him, that's good. For now I think you should trust him and just wait for him to make the move and actually act on what he says. It sounds like he can talk, but you haven't really seen any action yet. So I suggest you wait it out, and just keep in touch with him. He'll come around. Good luck!

How do you get to know a distant, neutral guy?!!?

Be yourself and if its meant to be it will be. Maybe give him the odd wink, he might not have the confidence to be himself so comes across like that. Show him its ok and safe to drop the barriers every now and again...like any relationship if your genuine, be there stay there show em you care.....random acts of kindness can go a long way x

How long did you wait before sleeping over at your boyfriends place?

I met this wonderful girl online a couple of months ago and we have been on six dates since then and recently become boyfriend and girlfriend. We live about 1.5 hours away from each other and each time we met at the weekend would spend several hours together. I told her she was more than welcome to spend the night at my place on the third date, but she declined as she said it was too soon. Should I ask her again now we're officially a couple? I'm not looking for sex, would just like to spend more time with her. What would you say to her and how long was it before you stayed over at a boyfriends place?