[jlynn]

How long since you closed it? You might try calling them back and kindly explaining you have buyer's remorse and can you reinstate the card - same number, same everything. Maybe somebody here knows of a good person to talk to at B of A.

As far as the refinance goes - Alot of times with something like this, you can write an Oops I'm bad letter to the underwriter, explaining exactly what happened. Believe it or not they (at least used to) understand that sometimes things happen. As long as that is your only recent late, you will probably have good luck with that, especially since the card is now paid off.

I do agree with Hannah and SG, closing the card is probably what put your score into freefall.