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09-03-2011, 11:25 AM #1Registered User
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Closing a credit card with no balance
Do I just phone and close the account? I just do not want the temptation of carrying it around anymore. TIA! Janine
On Baby Step # 6
Principal amount oweing $74,408
Living like no one else,so later we can live like no one else.
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09-03-2011, 01:29 PM #2Registered User
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No..........you have to send it in writing. And I am not sure
about doing it on-line..........call the number on the back of the card and ask them.
Most have to be done in writing........snail mail........to have
it "official"...........
It will hurt your credit rating for a short spell........so if you plan to go for a loan in the near future, don't do it, until after you have the loan secured.
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09-03-2011, 03:47 PM #3Registered User
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Just did it over the phone...not worried about credit rating, thanks!
On Baby Step # 6
Principal amount oweing $74,408
Living like no one else,so later we can live like no one else.
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09-03-2011, 07:54 PM #4Registered User
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Congrats!
Originally Posted by Sophiasmama
I'd ask them for a letter of confirmation not only to confirm but to cover your butt just in case.2012: The Year Of The Purge!
UPDATED: MAY 15/12
2012 FLING - 673/2012 | COUPON SAVINGS $178.93
EMERGENCY FUND #2 - $510.78 | VACATION FUND - $513.58 | CHANGE JAR $222.51
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09-03-2011, 10:46 PM #5Registered User
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Oh crap! They asked me and I said no thanks...off to phone and ask if they can still mail me one. Originally Posted by Libby
ETA: They are sending me one...Thanks Libby!On Baby Step # 6
Principal amount oweing $74,408
Living like no one else,so later we can live like no one else.
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09-04-2011, 06:18 AM #6Rude and Vile Master
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Good deal - now keep that forever just in case there's ever any issue w/ credit reports or the like. (Not worried about your credit score but am worried about your history being accurate) Originally Posted by Sophiasmama
If you could kick in the pants the person responsible for your problems, you wouldn't be able to sit for a month.
Did you know that a 4 year student paying $20,000/year who finances their education graduates with over $103,000 in debt to start? But a student who works and pays cash and takes 6 years to graduate ends with $6,300 in their pocket! So much for "getting a head start by financing!"
Greebo(Nerd Spender): Loving and extremely patiently tolerated husband of ceashels.
WARNING: Y Chromosome behind the keyboard. Adjust your listening filters appropriately!
ThreeTwo mortgages,twooneno car loans,oneno credit cards, and a partridge in pear tree!
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