 Does storecard credit appear on a typical landord accessed credit check? |
I was quite late in paying off a store card when I was 18 (5 years ago), but I'm still worried that it will look bad on a credit check when I look for my first flat.
I have been OK-... |
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 Which is $1000 a K or a G? |
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| We purchased some wardrobes back in 2001 on 1years interest free credit, but once the year was up the company failed to take the cash. This morning I received a letter from a collection agency saying ... |
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| I'm eighteen years old, and I'm looking to get a second credit card so I can build my credit faster. I got one through Capital One a few months ago, and I pay it off each month. I'm ... |
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| Just curious. Thanks for your answers in advance.... |
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| back in 2004 I got a ticket for not making a full stop at a stop sign i was giving a ticket and had to go to court. but i didn't go and i didn't pay for my ticket. I didn't pay not ... |
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 Ways to increase credit score? |
| My b/f & I are currently living with his parents with a total monthly income of $3,900 Net and have no rent to pay. I plan to move into a rental home by october to save to buy a home within 1 yr. ... |
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 Credit Cards....best method of buying/paying off to boost credit score? Buying House question too!? |
| Is there is better way than another to pay a credit card so it'll show on your credit better. Like to carry a balance, and pay interest......or charge something every month and fully pay it off ... |
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 What happens if I don't pay a Sallie Mae loan? |
| I went to college FIVE years ago and my parents co-signed for a Sallie Mae Loan. I'm not sure if thats a government loan or not. I only went there for one year and then came back home and paid ... |
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 Is it better to pay a small loan off right away, or over time? |
| I have a small secured loan to build my credit. The payment term is over 2 years. Is it better to pay it off early, or over the course of time to build your credit score?... |
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 Do not use Bank of America. What can I do about this? |
| I have been a cardholder since 2001 with MBNA. Bank of America purchased MBNA and since then the customer service level has declined for many reasons. Most recently I received a change in terms to my ... |
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LULU | Credit Card problem? |
So I received a paper that said that I was pre-approved for a Visa card and just to send it back so I did. When I received my card, it had a sticker on the front that said "Call today to activate! For your security, cards not activated within 14 days will be closed" So before I activated the card, I was reading the Fine Print and found out that the APR was 23.90%. I thought that was WAYYY Too much so I decided not to activate it and just placed it inside my drawer. Then about 3 days after I received my card, I got a bill that said that I owed 74.75 for opening an account. Then Yesterday I received my pin number and the card said that my card was already sent to me, and that if I had not received my card, to call them. I haven't used my card. My question: Will they still charge me, even if I didn't activate my card, or should I just wait the 14 days to see what happens?? Thanks!!! |
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aj485
|
They can charge you, even if you didn't activate the card. By opening the account, they are able to charge your account.
Call them and tell them that you want to close the account. Follow it up with a letter confirming that you want to close the account. Send the letter "Return Receipt Requested" so that you have proof that they received your request.
Do not send pieces of the credit card back to them in the mail - they can be stolen out of the mail and used fraudulently. Besides that, just sending back the credit card pieces doesn't provide any indication of your intent. Do you want them to send you a new card because you accidentally cut it up? Or do you want to close the account? So if you send the card pieces, you have to write a letter telling them your intention anyway.
In the future, read the fine print on the offer before you send in the application. |
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lisa s
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You might want to read over the fine print again.
Some credit card companies consider the account "OPENED" when they approve you and send you the card. Since you signed the application they feel as if they have done their part and what you do with the card is your business.
I would definitely call them....be proactive and not reactive.
Ask them if there is anything that you can do to remove the charge and if closing the account will remove that charge.
If not then my advice would be to PAY the fee and use the account and pay off the balance every month.
The reason that you have an apr at 23% is because you have not been proactive in your other credit issues. TOday is a new day and you can turn this negative into a positive and by this time next year, you will have an APR of 9%.
GOOD LUCK |
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grierGRIER h
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By not comparing various offers that meet your criteria, you might be missing on the right offer.
Applying for a credit card which does not meet your credit history requirements can get you a denial or an offer that whose fees and interest rates pinch very much.
Getting too many pre-approved credit card offers in your mailbox doesn't mean that you should have all of them. The rule is keep the only minimum number of credit cards with you. Get rid of the rest. Too many credit cards is a principal reason for people falling into credit card debt. Compare two or more credit card and choose best one according to your choise. Apply online at: http://www.credit-card-gallery.com/Guaranteed_Approval.html and get guaranteed approval. |
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The Scorpion
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Just call them and tell them and find out how their policies work. There are so many out there, who knows, the fine print may allow them to do this, but they themselves say on the card it isn't activated until you call. But it's not the kind of card I would want to have. The interest rate only matters if you plan on carrying over a balance, which you shouldn't do anyway so the 23% is not necessarily relevant. But you need to call them. Stay calm with them and explain your problem. I've never had a charge to open an account so something doesn't sound right, and again, I just wouldn't want a card like that. |
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judy c
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cut it in two and mail it back, registered mail..don't pay them anything.. |
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ila m
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You can use this site to review all the best credit card offers
and choose the card that is best you |
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shark
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I dont think they can charge you for anything you didn't sign for. just ignore it or call them and explain . I never heard of anyone having to pay for that. |
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