I have one suggestion for the OP. He mentioned there were outstanding balances. Pay them off in full immediately.

About 20 years ago a friend got into financial reversals and ended up having their credit card accounts closed and sold to collection agencies. Visa/Mastercard/etc sold their accounts to regular bill collectors. AX sold their debt to a debt collector from He!!. Massive numbers of phone calls from mean aggressive nasty people. AX appears to have a corporate philosophy of "If we have to close your account, we are going to punish you for forcing us to do such a thing." Perhaps since then they had a change in corporate policy and become good Christians. Perhaps not. Don't find out.