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Post deleted. I was drunk and being a complete idiot. F me.
So you forgot to make your payment , they lowered your credit limit . You then called cursed them out and closed your account because they did "you" dirty but then turn around and apply for another card from this creditor who did you dirty ??? You might be very disappointed with a 300,00 credit limit instead of keeping your card and slowly increasing again ?
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Well it may seem a little extreme over being a couple days late , but creditors do this unfortunately. But closing a card that you have had for a few years and I believe you recently got on upgrade to, to turn around and open another seems just as extreme as they were and really makes no sense credit wise at all .
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Stop having a temper tantrum and coming up with deranged plans.
You closed the credit card. Then applied for both the credit card and a debit card from a company you hate. Got it.
@Bandit5160, you got your knickers in a twist over a CLD and you acting like it is the end of the world. Honestly, it isn't an issue which should cause such consternation; deal with it, move on.
Chapter 13:
I categorically refuse to do AZEO!
This is a good example on not taking a proper decision while being angry. It is better to postpone such decisions to a day or two.
You closed an account (only because of CLD) while you applied again for the same card. I do not know why you really need the store Target card, if they hate you. If they do not like to do business with you, they can do it again or they can provide a very low SL. You simply acted like a teenager but not an adult...
If you search around in this forum, you can find several good notes on the cards that can be helpful for you. In general, there is no need to go for store cards while by using a few cards, you can get ~3-5% on either in-store or online shopping at any store.