I have had an account with a retail store for quite awhile and have had only one late payment.  I have a very low credit limit which I had requested.

I paid my account off and called the company to see if they had received the payment.

The customer service representative asked me to verify who I was and some personal information which I gave to her.  Then she came back on the line and said we have received your payment.

Great!  I went to the store which had issued the card and they said the account was closed.

So I called Citibank USA, N.A. and they advised me that they closed the account and they would not disclose the reason to me.  I asked the lady if it was because I paid my account off?  She stated no, but I will find out.

I asked her if is it normal to ask so many questions to go in and check a person's account and she said only if they are asking for a credit increase which I never had.  She said I will receive a letter and then I can dispute it at that time.

So I learned anytime you talk to a CSR make sure you are very clear and make sure they understand you.

Jennifer Houston, jbowerman1@yahoo.com