I had an acct with a credit limit of a whopping $179. for 2 years. I was never late on a payment here, or any of my charges. I lost my card and called to get a replacement and was informed my acct was closed a month ago because they did a periodical review and TransUnion said I have too many open cards with high balances. Never missed a payment on anything. Menards just gained a new customer, along with all my family. Their prices are better on most merchandise anyway.