<human>: I have been studying abroad for the past year. I got home late august after two months of traveling, and found that my credit card has been charged 50 dollars for Amazon prime membership that was on autorenew. Here's the thing, my credit card expired on janurary 2015, and I never received or activated a new card. In fact, i wasn't even able to use any of my BofA card while abroad despite filing numerous travel notifications with BofA. 

After i discovered the charge, I went to my nearest BofA branch and they told me to just pay and be done with it. At this point the charge is 60 days overdue. So I pay off the charge, then BofA close my credit card account. Now I am denied new credit cards when I try to apply for one because I have a serious delinquency and a late payment comment on my credit report. I tried filing a dispute with experian, but nothing came of it. In face my credit score lowered after filing the dispute. I'm at a loss as to what I should do at this point. My credit is now sub 600 and I doubt I can recover anytime soon. Please personfinance,  you're my last hope.

Condense the text into a few key points
<bot>: Went abroad, came back to late payment due to automatic renew that's got charged to an expired credit card. Credit now ruined, tried to dispute but failed.