 What happens if you are 1 day late on your credit card payment? |
| Does it get reported to the credit agencies (equifax/transunion/experian)? I also had other late payments in the past for 1-2 days...but never over 90 days.....i'd say i'd been late about 3... |
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 Has anyone ever heard of north point lending services they asked me to send money for a loan??? |
| This comapny with this phone number 888-813-5726 told me i was approved for a loan of 20,000 and that they deal with bank of amercia but that my credit was bad and they have a private lender and i ... |
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 Capital One is killing my credit for no reason? |
| I have never hard or applied for a CapitalOne credit card - as a mater of fact, I don't even use a credit card but yet since Dec 12/12/2004, CapitalOne has requested/accessed my credit report ... |
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 Can collections agents call your relatives? |
A person representing Wells Fargo contacted my dad when she was unable to reach me. I am wondering what his rights are as far as being able to tell the person to not call him again.
Additional D... |
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 Capital one credit card? |
| I recieved another credit card offer from Capital One, I usally tear them up and throw them away. But this time I thought it would be a good idea to try it out because I want to get my credit started.... |
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 Can you help me get out of my massive credit card debt? |
| I have about 7500 in credit card debt. I know this may not seem like a lot to some people, but I'm only 24 and I bought a truck that I probably shouldn't have and the payments on that are ... |
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 How long can creditors go after you for an unpaid debt? |
| My boyfriend got a letter from credit card that he owed money from 8 or 9 years ago. I have the same credit card, and I am worried if we were to join finances like we talked about that the company ... |
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 Question about credit cards...please read!!? |
| My husband and I were in a lot of credit card debt, about 11,000 dollars. We recently acquired some money and are able to pay off all of our credit card debt. We have three cards; my husband wants ... |
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 How far can a collection agency go to collect a debt? |
I lost all , have no assets, and am being sued by collection agencies. No job and on disability. can they attach my account ??
Additional Details
no house,job,assets, on disability. debt ... |
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 Keep 'em open or close them? |
| I got into some financial trouble in 2002, and ended up declaring bankruptcy in 2004. Ever since then I've tried to manage my debts carefully, build up my credit (it's at about 660-670 now)... |
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 Does any one know if getting a "pre-approved" credit card is noted as an inquiry on your credit report? |
| I keep receiving promotions for "pre-approved" credits cards and I don't want to open a new credit card if it is going to show an inquiry. To my knowledge(which is limited in this ... |
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| A Dumb Paypal/Ebay Question? |
| This is a dumb question, but lets say I win an item by bidding online on Ebay. I'm ready to pay the person via Paypal. when I send the money through Paypal, do I include the shipping cost in ... |
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 How do you straighten up your credit? |
| How do you boost your credit score?... |
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 Hi i was just wondering can someone get a credit card even thow they dont have credit.? |
| hi my friend was asking me if she can get a credit card but she doesnt have credit she has never used anything in her name but she wants a credit card to buy things.... |
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JJ | CREDIT: what should I do??? I ordered a credit card I do not want, my first card (capitalone) how do I get rid |
how do I get rid of it without distorying my none existent credit stat
Additional Details
how do I get rid without distorying my credit or lack of?
cutting up a card does not dismiss your credit score or canceling an acount upon arrival |
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echo
 |
You claim you have no credit. With no credit you will find that the cards you are approved for will come with annual fees.
Your only option, if you want to build credit other than opening a card with a fee, would be to open a secured card.
You could open a loan but loans do not count as high in the scoring factor as major cards and in fact an installment loan could actually hurt you until the loan is paid.
You have applied for Cap One, who lately is not sticking to pulling just from one single bureau but from all three. Because of that you have dings from the inquiries on all three reports.
Because your file is so limited, you will have a small ding when it starts to report.
If you feel that you can afford to pay the fee, you might want to keep it open and request that the fee be waived when it comes due next year.
As long as you keep the account in good standing, Cap One is very good with giving credit limit increases.
If you keep it in good standing, it should also help you gain credit with other creditors.
Either way, if you keep it open or you close it, it will report. If you close it then it will be reported as being closed by you.
If you decide you would rather close it, then you should not use the card. You should call Cap One and request the account be closed and the fee be waived.
Follow that call up with a letter telling them that you contacted them by phone on xx/xx/xxxx and spoke with <name of CSR>. That your phone contact was to request closure of the account and the fee waived. That you are sending the follow up letter so that you will be providing, in writing, that you want the account closed and the fee waived. |
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?
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It sounds as though you haven't actually used the card yet. If you have not begun to establish your credit you may want to consider keeping the card and using it for small expenses. Just be sure to pay it off every month when your bill comes. That way you will be building a good credit history and score so that when you want to purchase a home or car you won't have such a hard time. Having no credit is sometimes worse than having bad credit. |
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GG
 |
you can close out the account but i believe it will appear on your credit report as a closed account but i dont know if it will show that you closed it. just keep it and only buy stuff like gum and going to the movies. pay the credit card bill as soon as it comes and this will increase your credit tremendously. |
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sexy v
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cut it up as simple as thaT u cannot use something that you dont have .also you can call capital one and tell them you do not need the card and send it back to them. |
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mcmoehring@sbcglobal.net
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Call the number on the back of the card and cancel it.
Use words like..Cancel, Close, Stop.
Words that don't work... inactive, hold.
There is no credit score consequence here. |
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askmeguru21
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It's a big hassle closing an account. It will bring your score down and be added to your credit report as a closed account. If you still want to close it then read the terms of service a lot of companies require a written notice. I suggest putting your card some place safe for emergency use only hopefully you don't have annual fees on this card. |
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Great Days
|
Call the credit card issuer ( usually there is a phone
number at the back of the credit card ) and request
for the cancellation of your account.
Make sure that you don't have any outstanding balance
( bills payable ) on the credit card that you want to cancel. |
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hvacrcert
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Cut the card up, send it back to them and tell them to close your account. I do not think that will affect your credit rating. It is best to use cash anyway, it keeps you out of financial trouble. |
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heybulldog
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Dont obsess with the I love debt score. You have to borrow money and make payments on time to get a high score. You have to keep borrowing money and keep making payments on time to keep a high score.
Pay as you go. Live on less than you make. You will have money.
Debt free is the way to be! |
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Mossespa
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call them and tell'em you wan to close the account, if you haven't bought anything with the card and there are only fees and finance charges on the balance they may try to talk you into not closing it, but you can close it and they will clean your balance. However if you have purchased something with the card, they will require that you pay the balance, and it's better to have a note on the credit report saying "Closed per cardmember's request" than "closed by collections" |
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grabsack
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Get an American Express Blue, or something with no annual fee and a reasonable (10%) interest rate. |
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irishcapper
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Its very simple call the credit card co. if you have no balance on the card request the account be closed. Your credit report will reflect that the account was closed by consumer . That actually looks good on your credit report as it appears your responsible and do not want credit card debt. The c.c. must report it as closed by consumer its the law . If this or the rest of the answers didnt help you go here http://www.creditinfocenter.com Good Luck |
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