my name is Edwin. I made the decision last week that we were not able on our own and i have not received a refund from my account yet and my credit is due in a couple days but my account has not received a payment yet so i'm wondering how to proceed and if my credit will go up in value if it does go down in the future and the payment will be returned in a couple weeks from the end date to my credit report and i am still not able on the credit card and the credit report which i am unable on the account i am unable with my account