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Discussion in 'Credit Talk' started by Alwilda Sm, Dec 1, 2000.
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I cancelled an account with them 3 weeks ago. It already shows on my experian as closed. They are pretty quick. I dont think you have to worry.
In your case, was it a tedious negotiation process to get them to finally agree to cancel the card? I reached my breaking point after about ten-minutes of discussion where I said, "Sir, are you refusing to cancel these cards?" This got his attention and he proceeded to wind up the high-pressure retention efforts. I was a nervous wreck after having gone through the cancellation procedure.
I had my mind made up when I called, so it was very easy. I had 3 accounts with them and I told the lady the account was going no matter what. She didnot even bother to transfer me to retention. But they had already given me a $300 increase the week b4 when I called to cancel. So I wasnot that strong the first attempt. Sorry, I forgot about the first cancell call. Congrats on getting rid of the it.
I had no hassles when I closed my Cap 1 account a year ago. I sent them a letter and included the cut-up card. In addition, I asked specifically for them to report to the bureaus: "Closed by consumer"; "Paid account"; "Zero balance."
They complied very quickly, say, within a month. The one downside was that the account slipped off my Equifax report after several months. I wrote them another letter. Even though I no longer was a customer, they intervened on my behalf and got Equifax to reinsert it.
Funny, it has slipped off again, but I believe it's the fault of Equifax. There never was been a problem with Experian or TU.
Just curious. How long have you had these cards before you cancelled today? I am tempted to call for an increase with the bluff that I will close.
I had my card 2 months and bluff to close and they gave me a $300 increase. $200-500.
I had the green card for what would have been three years in Jan. It started at $300 for about 6-8 months, then went to $500 automatically. Then after another year or so, I paid off the balance one month and sent in an extra $500, thinking that it would be the same as having a $1000 limit. When I tried to conduct a mail-order purchase for about $850, the transaction was declined (though I had a $500 limit and a $500 credit). I called Cap1 to raise hell, and they raised my limit to $1000. Then just recently, they gave me a $300 increase theough their telephone system.
How about the second one?