Accidentally signed up for store credit card?
I accidentally signed up for a store credit card 2 days ago thinking it was just a normal store card. I think I may have been charged on my account using a temporary card. I don't want a credit card and thought it might be better to cancel my application now. My question is, should I cancel the card now or wait until it arrives and then cancel it?
Accidentally opened up a credit card?
Go online and pay it off. Your credit history goes based off of how long you've had a credit card open and how well you have made your payments. Try not to open them at stores or places you'll never use. Use actual credit card companies because they are easier to figure out how to pay off online and have better call centers. But it hurts your credit to cancel a credit card so pay that sucker off and don't use it. p.s. well's fargo is everywhere. Find one near you. And if you can't do that then call the bank. And look into getting a bank closer to you
Accidentally opened a store credit card thinking it was just a rewards membership card... Should I close it?
Well first of all no, your debit card does not count toward your credit score because it is directly linked to your checking account. The money is already available so there is no credit involved. You should definitely close the store credit card if you do not plan to use it by the end of the week. It will not affect your score but then again you do not have a score yet so it won't hurt it at all. Store credit cards are dangerous, in my opinion because they have the highest interest rate you can imagine. If you checked your paperwork I bet the interest is around 23% or more so they are not the best card for a beginner to start off with because it will be easy to get in the a big hole that would be hard to dig out of if you do not pay the balance off every single month. Start with a secured card from your bank since you already have a debit card. A secured card requires a cash collateral deposit that becomes the credit line for that account. For example, if you put $500 in the account; you can charge up to $500. You may be able to add to the deposit to add more credit, or sometimes a bank will reward you for good payment and add to your credit line without requesting additional deposits. Good luck and continue to be smart with your money, it will pay off in the end!
Accidentally opened store credit card how do I close it?
when I was checking out the cashier asked if I was interested in opening a store rewards card and said I'd get 15 dollars off my purchase of course I said yes because i thought it was a simple rewards card but boy was I wrong. I didn't realize until afterwards what I signed up for and now I'm scared this will hurt my credit score. I don't have any credit cards just a debit card. I asked her if I could cancel it but everything had already been processed. The wench tricked me. Anyway I'm scared that I've been charged on the credit card and it'll hurt my credit. Anyone have any ideas on how to cancel it?
How can I reopen my Wells Fargo account after they close it?
Every banker will swear up and down that it’s not possible to re-open a closed account if you ask, but it is possible, and I’ve seen it done under rare circumstances. The emphasis is on the “rare”, though, as there are a host of good reasons they would rather open a new account instead:The banker gets a “pack” for opening a new account that counts toward their sales goals and the store’s daily goals, but gets nothing for re-opening.A new account goes through verifications, and no one wants to be the manager who approves a re-opening for a customer that was on Chexsystems and then proceeds to defraud the bank.Re-opening can cause glitches and systems issues as the bank uses a lot of different computer systems that talk to each other and not all of them might recognize the open status at the same time.If you can convince the manager that the account was closed for an illegitimate reason and you absolutely need the account number to stay the same, you might have a shot, but I wouldn’t hold my breath. I think I’ve seen maybe 1 or 2 accounts re-opened in the 3 years I worked in retail banking.
I accidentally wrote a check on my closed account. What should I do?
RUN RUN RUN to the store first thing Saturday. BE THERE WHEN THE STORE OPENS seriously like be waiting for the doors to unlock. Find the store manager or assistant manager, bring the items you bought AND the receipt AND BRING CASH. They might make you do a "return" and then just pay cash and buy the stuff all over again. You poor thing. Just get back there when they open so they see you are sincere. Dont forget to bring the clothes and your original receipt. No matter where you live "check kiting" (bouncing) is a crime. But if you make good before it even hits the system (OR OLD NAVY'S BANK!), then you will be OKAY. Tell them they need to run it through as a return, cancel out the sale, GIVE YOU YOUR CHECK BACK (if they havent gone to the bank) and give them cash! MAKE SURE YOU APOLOGIZE again and again, because someone is going to have to go in the back and RE-DO the balance sheets for the sales/deposits.
Will cancelling my Dillard's credit card hurt my credit score?
I'm 18 years old, and never had credit before. I accidentally applied for a credit card (long story short, I was VERY stupid and mistook their "Rewards Card" for a point card; it's actually a credit card). I don't want a credit card, and most definitely not from them. Since I'm new, I have to wait for the application, but I'll probably get it. Once that happens, what do I do? I don't shop at Dillard's enough, nor do I like credit cards. I'm happy with my debit and cash. I also don't want to hurt my credit score this early into my life, so will cancelling my card do that? I'm just looking for the best thing to do now. Any help is appreciated, thanks everyone! :)
Will my credit score go down if my card gets declined at a store?
Your score is probably going down fast. But it’s not because your card was declined. The “decline” is a symptom of your bad credit, but is not the cause of it. You were probably declined because you are over your limit, or delinquent on payments, or both. Your credit card company has made a decision that they don’t want to loan you any more money at this time.Maybe you can turn this around? Talk to the credit card company. Pay what it takes to bring your account back into good standing if you have the money. This may be a symptom that you have been abusing your credit cards. If you are deeply in debt, talk to a bankruptcy lawyer. If your credit is already wrecked and you can’t afford to pay your debts, you might be able to have a fresh start by discharging your debts in bankruptcy.You could benefit from a recent post on my personal blog, Explore Bankruptcy. Safely Explore Bankruptcy Remedies.