i have no late payments on my accounts within the past 7 years. I remember making one late payment when I was 19 or 20 and thats about it.

I really closed the account cause I didnt want to pay an annual fee.
Meanwhile I have like 4 credit cards with the same company ( HSBC ) two they charge annual and two do not. Im thinking of closing the other one that charged me an annual fee. Maybe my points would shoot up another 50+