We have never be past due on our payments or go over the amount, but we got a thought in the messages from one of our credit cards that we don't use and they said we were delinquent and cancelled our card, why is this?
Answers: Something's wrong.
If you other pay your bills, you can't be delinquent.
A credit card company can put an end to your card at any time (with 15 days' notice), but they can't hurt your credit score if you be always current.
There are a few possibilities:
-- Someone get hold of your card somehow.
-- The credit card company is mistaken.
-- You didn't pay sour the entire balance.
Don't dismiss the concluding one -- people regularly think that if they reimburse the total amount on a bill, that they've paid it stale. Not always true, and unambiguously not true if you carried a balance. Between the time you compensated the bill and the time the card issuer got it, interest continued to build up, and you owe for a while amount.
What to do:
-- Get your credit reports. You're entitled to one free per year from each of the credit bureaus. Go to www.annualcreditreport.com to start the process. See if the card issuer have done damage to your credit by reporting you as delinquent. You can taunt any incorrect information.
(My Web site has free token letters you can use: http://www.creditcards.com/credit-card-n... Don't verbs. No obligation, not a soul will hassle or hard get rid of you.)
-- Call the credit issuer and gather information, and sooner, negotiate. Try to talk to a supervisor. The first personage you talk to will with the sole purpose have script to read from and is unlikely to be able to back you. If there's damage to your credit report, complain. But other be nice ... you know the saying almost catching more flies with honey than vinegar.
Good luck.
Because you didn't recompense what was owed prompt. There may be a real problem here. Call the toll free customer service number and find out what happen. If there is a problem detail them your side, then closing stages them a letter certified return account and make a copy for your profile telling them what you told them on the phone. If this is an identity pocketing problem you need to keep hold of documentation to clear everything with the credit card company and the credit rating agencies. appropriate luck Sometimes if you do not use a card at all for too long, they start charging an annual levy that you may have overlooked, since you have not charged anything to that card. That happened to me once and I did not sense it among other CC junk messages until the following month when they also hit me with a in arrears fee.
I explained to them that since they have not charged an annual fee for masses years, that was totally out of the blue, and I think they might hold dropped the late charge. I now trademark it a point to rotate which credit card I used from month to month to keep the cards stirring, and I have not be charged an annual fee since consequently.
Check one or more of your free credit reports at https://www.annualcreditreport.com/ if you have not done that to see if any deliquency shows up (or possibly identity theft).
They be probably pissed that you didn't use their card.
Definetley call them.
Check your free credit reports to see what they've be reporting :)
www.annualcreditreport.com
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Answers: Something's wrong.
If you other pay your bills, you can't be delinquent.
A credit card company can put an end to your card at any time (with 15 days' notice), but they can't hurt your credit score if you be always current.
There are a few possibilities:
-- Someone get hold of your card somehow.
-- The credit card company is mistaken.
-- You didn't pay sour the entire balance.
Don't dismiss the concluding one -- people regularly think that if they reimburse the total amount on a bill, that they've paid it stale. Not always true, and unambiguously not true if you carried a balance. Between the time you compensated the bill and the time the card issuer got it, interest continued to build up, and you owe for a while amount.
What to do:
-- Get your credit reports. You're entitled to one free per year from each of the credit bureaus. Go to www.annualcreditreport.com to start the process. See if the card issuer have done damage to your credit by reporting you as delinquent. You can taunt any incorrect information.
(My Web site has free token letters you can use: http://www.creditcards.com/credit-card-n... Don't verbs. No obligation, not a soul will hassle or hard get rid of you.)
-- Call the credit issuer and gather information, and sooner, negotiate. Try to talk to a supervisor. The first personage you talk to will with the sole purpose have script to read from and is unlikely to be able to back you. If there's damage to your credit report, complain. But other be nice ... you know the saying almost catching more flies with honey than vinegar.
Good luck.
Because you didn't recompense what was owed prompt. There may be a real problem here. Call the toll free customer service number and find out what happen. If there is a problem detail them your side, then closing stages them a letter certified return account and make a copy for your profile telling them what you told them on the phone. If this is an identity pocketing problem you need to keep hold of documentation to clear everything with the credit card company and the credit rating agencies. appropriate luck Sometimes if you do not use a card at all for too long, they start charging an annual levy that you may have overlooked, since you have not charged anything to that card. That happened to me once and I did not sense it among other CC junk messages until the following month when they also hit me with a in arrears fee.
I explained to them that since they have not charged an annual fee for masses years, that was totally out of the blue, and I think they might hold dropped the late charge. I now trademark it a point to rotate which credit card I used from month to month to keep the cards stirring, and I have not be charged an annual fee since consequently.
Check one or more of your free credit reports at https://www.annualcreditreport.com/ if you have not done that to see if any deliquency shows up (or possibly identity theft).
They be probably pissed that you didn't use their card.
Definetley call them.
Check your free credit reports to see what they've be reporting :)
www.annualcreditreport.com
Resolved Questions: