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Locked vs Closed

Whats the difference between locked and closed API wise. What I mean is why is this question locked: https://money.stackexchange.com/questions/4755/should-i-get-a-credit-card-closed

But this one closed:

http://english.stackexchange.com/questions/5873/good-and-bad-things-about-internet-privacy-closed

Even though on both sites the questions have [closed] after them.

Jonathan.
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