Jeez. The bastards will turn you down for a credit with no reason at all sometimes. Never heard of them saying to canceling one.
They are notorious for finding excuses to boost interest rates to max.
I know from personal experience that they deliberately delay applying payments in order to charge “Late” fee’s and raise rates.
Next payment I sent by USPS with Delivery Confirmation, got there eight days early but was again billed as “Late”!
That’s when I paid off the balance and cancelled, I had proof they are thieves.
You would not believe the the increasingly generous offers they made to lure me back into their grasp.
No point in taking them up on any of them, they would just manipulate the account to F me again, no thanks!