The never-ending account.QA I had an account with a credit card company and was not happy with their services (they were deceptive de·cep·tive adj. Deceptive or tending to deceive. de·cep  tive·ness n. , to say the least) so I called to close the account and paid off the balance. However, the company refuses to close the account. --H. Stephen Via the Internet There is a right way to cancel a credit card. You've done part of the process, but there are a few more things you need to do. Call the customer service department again. Reconfirm re·con·firm tr.v. re·con·firmed, re·con·firm·ing, re·con·firms To confirm again, especially to establish or support more firmly: reconfirmed the reservations. that your balance is zero, and then notify them that you are canceling the card. Then write a letter stating that you want to close the account immediately. Be sure to include the information from your conversation, the account number, and your billing address. Send the letter by certified mail certified mail n. Uninsured first-class mail for which proof of delivery is obtained. certified mail (US) n → Einschreiben nt or with a return receipt request. Then, wait 30 to 45 days and get a copy of your credit report to confirm that the balance is zero. If you haven't received your credit report in the last year, order a free report from www.annualcreditreport.com. If you have received your report recently, order a copy from www.myfico.com. In general it's better to leave an account open if you don't intend to use it because closing it could lower your credit score. If all else fails, file a complaint. Contact the Better Business Bureau (www.bbb.org) and your state's attorney Noun 1. state's attorney - a prosecuting attorney for a state state attorney prosecuting attorney, prosecuting officer, prosecutor, public prosecutor - a government official who conducts criminal prosecutions on behalf of the state general's office. Mail your consumer empowerment em·pow·er tr.v. em·pow·ered, em·pow·er·ing, em·pow·ers 1. To invest with power, especially legal power or official authority. See Synonyms at authorize. 2. questions to Ask Your Advocate, BLACK ENTERPRISE, 130 Fifth Ave., New York New York, state, United States New York, Middle Atlantic state of the United States. It is bordered by Vermont, Massachusetts, Connecticut, and the Atlantic Ocean (E), New Jersey and Pennsylvania (S), Lakes Erie and Ontario and the Canadian province of , NY 10011 or send an e-mail to sykest@blackenterprise.com. |
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