The first statement suggests that a person doesn't necessarily have to directly affect you for hatred towards that person to be justified. The second statement suggests that hate for someone is only justified if they've done something directly to you. Those statements don't appear to be speaking to the idea that hate needs to be justified, but rather when it's reasonable to justify hate. Your intent may have been different, but that's just the way it reads.
Responding to the credit card comment, the discussion didn't seem to center around whether or not you need to know that person, but rather that person needs to have done you some type of harm.
And when the conversation shifted is debatable, but you were the one to introduce the idea that in order to have hatred towards a person, that person needs to have done you harm. To me, that seems like the turning point.
But we really aren't arguing over much, as we're no longer debating the point of the discussion, and we're instead talking about whether my response to your point was justified. Seems a bit silly, which I helped to perpetuate. On the other hand, if you want to respond I'll continue to engage you in conversation - an unfortunate consequence of having no plans tonight lol.