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hopes&dreams | What should i do with an unused credit card? |
two years ago through my bank at the time i got a college us bank credit card. i only used it once and paid off the balance right away. since then i changed banks to wells fargo. i no longer use that card. all of the information and bills still get sent to my home where my mom keeps or throws them. i have no idea of user names or passwords to acces that old account online.
my question is...what should i do about this. should i try to find a way to cancel the card? i'm not exactly sure of the card but i looked up and it said there was an annual fee of around $14 if not used once per year, which i haven't. and in that case my mom has just been stashing the bill away thinking it was junk mail (like a lot of the letters are) should i be worried about my credit or anything? i never used the card so i sort of forgot about it until now.
i am no longer home and this is a card of the past but now it has me worried. |
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Rachel
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You should cancel the card so that you don't get charged that fee. Call the phone number on the back of the card and it will probably be an automated number. One of the options will be to check the balance...do that first to see if there are any fees piled up from not using the card. If there are, then there will probably be an option to pay the balance; do that. Then, once there is no longer a balance on the card, there will either be an option to cancel the card or speak to a representative; who can cancel the card for you. |
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SmartA$$
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you probably have a balance on the card. They charged the $14 annual fee to the card, and you never paid it off so there are late fees and interest charges attached to it. You need to contact the old bank and pay off the remaining balance and tell them to close the card account. If you do have a balance from the annual fee and you miss payments, it will show up on your credit report as missed payments, so take care of this before it gets any worse. |
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butterflykisses427
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I would contact the credit card company and find out if you have any fees on the card. Than I would cancel it. If you're not going to use it ever why have this open line of credit. Plus if there is an annual fee of 14 dollars for non use and its building up, its quite possible that your account is pass due and yes it will hurt your credit rating.
So your best bet is to contact the credit card company and cancel they account. If you do have any fees pay them off. No sense having a credit card open if you are going to use it |
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No Name
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You need to call the bank and make sure it is cancelled first. Then cut up the card. Once its cancelled you should not receive any more statements with you information on them. Make sure the balance paid off otherwise they won't let you cancel it. If its just a bank card then just explain to them that you have switched banks since then and would like them to stop sending statments with your information. |
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La Vie Boheme
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Go check your credit report at annualcreditreport.com and see if that card is there and see the status. It may have just be closed by the bank due to inactivity or it may be listed as a derogatory item if you have been ignoring the bills for the annual fee. |
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GTH
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Call the company where the card was issued and cancel it completely.
Then cut it up into tiny pieces and recycle it. Don't throw anything away with your info on it until you shred it. There's a lot of identity theft. |
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Muschi
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Call the card issuer and cancel the card due to inactivity. They will ask you personal questions to confirm your identity and you won't need the password etc.
There's no need to pay an annual fee if you don't use it, plus you should never get a card that charges you an annual fee. |
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feb1897
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The next time your mom gets the bill, call the customer service number and give them your account number, this will get you access to your account. The decision to cancel the card or not and whether it will effect your credit score comes down to what your debt ratio is. Take the money you owe on credit cards and divide it by the amount of credit that you have. Try it with and without your old college credit card limit. If your percentage does not change too much, which I think it won't, then cancel your card. If it does change a lot, keep it and just use it once a year to get rid of the finance charge. |
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Sam
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they can't charge you for not using it! that would be ridiculous. phone them up to check. |
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jebber
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destroy it with "mind powers"
just look at it and repeat the following, "You are |
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