Recently I received a letter from HSBC that "due to my credit report" [a 30-day late on a closed CC] they were closing my credit card. My question is should I appeal this decision? My score has gone up steadily over the last few months. I resolved the late issue with the CC company, although they won't remove it from my report.
Secondly, I still get offers for pre-approvals from other companies. Should I get a new card to replace my HSBC card? Should I wait until I qualify for a "prime" card [newly admitted to the 600 club]?