I've never had this happen before and I really don't know what to do, or if there's anything I can do. I got a credit card with Express last December, purely because I needed a new suit for my day job in a major hurry and I didn't have the cash. I only asked for a limit high enough for my purchases so it was a $250 limit. I made the payments on time but in February they put my limit down to $210Anyway, in March my payment was returned by the bank (and therefore late) because I accidentally typed my account number in wrong online. I called Express and they put it through on the phone "without prejudice" and waived the late fee etc.
For my May payment, I was out of town dancing and I completely forgot to pay it (completely my fault, I know) and when I realized, it was a week late. I immediately went to the store and paid my May and June payment in person. Now yesterday I found that the credit card has been closed!!
Will this negatively affect my credit? I'm obviously going to still pay it off, in fact when I get home I'm planning to just pay off the entire balance and be done with it. Express says that if I make 6 months of on-time payments they'll open it again, but I don't know if I even really want it open again unless it'll benefit my credit score somehow. They said it was because of two returned payments within 90 days, but one was meant to be fixed without prejudice and the other was just late.
My main concern is just my credit score, does anyone know how it will affect it, or how I could repair any damage?



Anyway, in March my payment was returned by the bank (and therefore late) because I accidentally typed my account number in wrong online. I called Express and they put it through on the phone "without prejudice" and waived the late fee etc.
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