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Credit card closed


happybat4

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So yesterday I used my credit card, only to have it denied. I call the credit company only to find out my account is closed. They told me I called and cancelled it, however they have no record of the date. I told them I wanted the account reopened as I never closed the account. However they said I have to reapply. This means on my credit report, it will show that I closed the account, then reopened. So now my longest credit account has been deleted, from no fault of my own. I told them not to bother, I am leaving the account closed. Have you guys ever run into this problem?

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Same thing happened to me when I was 19 and jobless.  All because I forgot to pay them for a couple months.  Bastards.

 

In reality if you haven't used it for a long time some companies will close cards due to inactivity.  Or maybe you have a split personality and he called in and closed it.  No matter what they should have a record of how it was closed.  Pull your credit report and make sure your credit hasn't been hijacked.

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I did check my credit report and everything is fine. I do use the card several times a month a for a few hundred dollars. I pay it off at the end of the month as well. Maybe they closed it because I never let interest accrue.

They won't close your account because of not accruing interest.  They could close it because of inactivity, however (even though that isn't your situation)

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It was a best buy mastercard. It is HSBC bank.

 

 

Best Buy's credit just got bought out by Chase.  I don't know if anything has been done yet between the two.  But my guess is, something got fraked because of this.  

 

Edit:

 

Incorrectly stated above.  Best Buy was on HSBC, then went to Capital One, and a few days ago, was sold to Citigroup.  

 

Capital One sells Best Buy credit card portfolio to Citigroup
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Thats terrible. Any thing that happens to affect your credit that you didn't do is not right and there should be a way to fix it.

 

I pay mine off every month and have for a long time. Never have to pay interest. One of the companies raised my interest rate and when I called they told me it was because they don't make any money off me. Weird, but true.

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Thats terrible. Any thing that happens to affect your credit that you didn't do is not right and there should be a way to fix it.

 

I pay mine off every month and have for a long time. Never have to pay interest. One of the companies raised my interest rate and when I called they told me it was because they don't make any money off me. Weird, but true.

 

Which is stupid.  Because Credit Card companies make 2%+ off every transaction you make.  2%, even if you pay it off every month, is 24% annually they make in their pocket.    

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  • 8 months later...

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