 Goodwill letters to old credit card companies in hopes of improving credit score? |
| I was thinking about writing goodwill letters to CC companies that has impacted my credit score in a negative way. I was delinquent on these accounts and that's what has hurt my score. I'm ... |
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 Why can't I get a higher limit? |
| My parents filed for bankruptcy and are still able to get a credit card with $5,000 limit. When I apply, the most they will give me is $500! (if they approve me at all!) My credit score is between 665... |
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 How do I clear up a bad check? |
| I wrote a personal check to and apartment complex. I had a stop payment put on it. Now they consider it a bad check. When I pay the check off and the fees is there anything else I have to do.... |
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 I'm only twenty and in debt over my head? |
| When I graduated high school I was in an abusive relationship. Five years my senior, he convinced me to get credit cards he maxed out, and then forced me to drop out of school. I got away with much ... |
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 Should I file a dispute with my credit card company? |
Here's the story:
I ordered ham online from a rather famous store in late April. UPS delivered 2 of 3 packages claiming 1 was leaking so the package was returned to sender.
... |
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 Does asking for credit increase affect my credit? |
| If I ask for a credit increase will this affect my credit / credit score? Inquiry?... |
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 Car Credit Problems? |
I have bad credit history
I need a car for work
What are recommendations on how or where to obtain car financing ?
thank ... |
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 Help me choose a credit card!? |
Hi, I'm a teen looking to improve my credit and have a little more financial flexibility. What credit cards do you think would be good for someone with no credit?
Note: I'd love ... |
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 Can I cash my stimulus check at Wal-Mart for free without buying that lame prepaid debit card? |
| I can't get a straight answer. I mean I'm gonna spend money there anyways but I don't want that lame prepaid debit card since I already have one >.<... |
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 Visa gift cards? |
I got this 50 dollar visa gift card for x mas and i tried to buy something online with it at americaneagle.com and i entered the number in and it said ERROR: the number you entered is not valid.
... |
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 Credit card debt scenario..need some advice.? |
| So, I have about $4400 in debt, which I have to payoff completely, but I am not sure the best way to help repair and save money now. I have one card that has $1200 and the limit is $1300. I have one ... |
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 $1200 loan with bad credit? |
I found an apartment and he needs security deposit of $1200. Anyone know where i can get a loan with bad credit that is not a scam???
Thanks.... |
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 Am I really in debt? |
| My credit score sucks (514-experian)... But there isn't really that much stuff on my credit report... and the stuff added together doesn't even come close to $10,000.. Would I be considered ... |
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 How do i clear my credit? |
| can i do it myself what are the steps.... |
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xXxbaybguhxXx | Usually what would happen after canceling a credit card and use it after cancelage? |
Today. I happend to have purchase some item on a credit card i have canceled earlier. I had forgetten i canceled it and really at the moment im not sure whats going to happen. And its not my credit card actually. Its my mom. And she's kinda pissed sooooo its making me nervous and i just wanted to ask. Thank you. |
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Wonder
|
I had that same problem. Assuming the transaction wasn't declined, the issuer will simply post it to the account. No men with rubber hoses will try to find you.
-MM |
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meandnadine
 |
That's called credit card fraud.
You need to contact the place you made the purchase immediately and explain to them what happened. Have cash in hand ready to hand to them. |
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Robert B
|
If the CC was cancelled AND "closed," then the transaction should never have processed. That being said, the account probably has not been closed and the charge will show up. You could return the purchase and get a credit to the acct and then repurchase the item(s) on your card...or wait for the bill and pay Mom. |
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Rick B
 |
Usually they would decline it and not let you leave the store. Since they approved the purchase, I would guess that the account was not really closed and your mom will get billed. |
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Elisabeth W
 |
They'll either reopen the credit card or decline/dispute the transaction.
In the second case, you wouldn't have to pay anything and the merchant would suffer a loss.
I believe that for a large amount, they'll reopen the card and sent a statement to your mother. |
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alexa dion
 |
If a credit card company rejects your application for insufficient credit score or credit ratings, it will send you information about it. This information will help you track down the credit rating agency and negative remark that caused the decline in your credit scores. If you find it incorrect you can dispute the credit report, get that negative remark removed and apply online for that very credit card again. Hopefully, if everything goes right you will get approved online.
If you faced the denial for any other reason, which you find difficult to understand, you can ask the credit card company about it. The fastest way is to contact the credit card customer care and tell them about your problem. Secondly, if you don't like calling you can send them a polite email and request a clarification. Read more from: http://www.credit-card-gallery.com/article/404,What_to_do_if_your_online_credit_card_application_has_been_refused |
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Broncos Rule
|
I think you will get billed for your purchase or your mother I would call and come clean with the credit card company in case you want to reopen your acct. for the future. |
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Andie
|
Normally, as soon as you closed the account, no charges should come through unless the person you talked to didn't close the account per your request.
Trust me, you can't just walk away without paying for it.
Obviously the account didn't close at the time of the purchase. The merchant was able to put through and get an authorization that means, the merchant will get pay by credit card company. Meanwhile, the charges will appear on your mom's credit card and legally, she's responsible for it since she lets you use it. Unless she's willing to press charge against you then she can get off and the credit card company will go after you for fraudulent charges on the account. They won't just forgive and forget that easily. Either your mom or you will have to face the consequences. |
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kwbarker
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it's called fraud |
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