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Is this for an open account? For instance, I can have a Visa account, and make a payment in October, but miss my November and December payments (which make me 2 months late) but could have charged something on the card in November because I still had the available credit limit.

Therefore, my last payment date would be before my DOLA.

Also, if I incur finance charges to the amount owed in November and December, it would be considered activity until the account is closed.

Once the account is closed, the DOLA should be the DOLP (date of last payment).

Unless a collection agency is trying to re-age the debt. illegal.

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