I had an Apple loan account from MBNA - $2,email@example.com% (I was desperate for a computer and knew it would be paid off promptly come tax time)... I fell 30 days late in January of this year, so they closed the account while I still had a balance. I paid the remainder off in May. I can still look at the account under MBNA Net Access. I scheduled a payment for $1, and it accepted it. What do you think they'll do?