Finchoice damages credit score even when you never missed their payments and always pay in time.

Finchoice ruined my credit profile badly even though I have been loyal to them an never missed any of their payments. They automatically close an existing account with a good payment history just to open a new one which impacts negatively on your credit profile. I lost a good 13 points which I worked hard because of them and they are not willing to assist... I was about to buy a home for my family beginning of September but all that is ruined because of Finchoice. I don't see a reason for closing an existing account and opening a new one just to update a credit limit as this impose a damage on one's credit profile. I tried to send emails to Finchoice but it seems like they don't care about the wellbeing of their clients. I'm stressed now as I no longer know what to do as my score was perfect for a home loan and now it is destroyed because of Finchoice's actions.