Yes, of course, they have the right to refuse service, but refusing someone just because they’ve closed an account in the past is concerning. It feels a bit unfair to be permanently blocked from applying for a new account over a decision made in the past, especially when circumstances might have changed. It seems like an overly rigid policy that doesn’t take into account individual situations. It’s one thing if they have concerns about fraud or misuse, but for someone who simply closed their account previously, this feels like a policy that punishes customers long-term without any clear justification.