Synchrony closed my Sweetwater card a couple months ago and now did the same to my Musician’s Friend card. I was making the monthly minimum payments, without having to pay interest, and never missed a payment. For some reason, I was flagged as a risk. There’s a probably 5k of debt cumulatively for both cards, but now my debt surpasses the amount of unused credit I have, since I’m missing 8k in credit limit. It was a bit stressful for me initially, but I’m still about 4-5 years away from being able to buy a house, if the economy doesn’t collapse by then.
Now, I can focus on playing guitar, piano, and making beats, instead of wasting time looking at the latest gear. The same thing applies to skateboarding. I need to just decide on what parts I like best and stop buying/trying new shit every other week, so I have more time to skate. It’s been months since I learned a new trick or new chords.