You really can't be too careful

For just about anything you want to get off your chest about credit cards.
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MemberSince99
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You really can't be too careful

Postby MemberSince99 » Fri Aug 15, 2014 8:26 am

Especially when you are me.


Case in point - I THOUGHT I closed my BofA travel rewards Visa. I sent a secure message asking them to close the account, and got a message back saying they closed it. Well guess what? I'd had the same card previously and had closed that but for some reason it still appeared in my online page. They must have closed THAT account, because the latest one is still open. I got a bill for it this morning for 0 dollars as I obviously cut the card up and don't use it and I thought what the hell I closed that. I had noticed it was still reporting on my reports but thought they were just being slow to report it closed. Just for grins I log in and guess what - it's still active they closed the first account but left that one open.


Yikes what a potential security hole that was. These FICO people who tell you to leave every account open at all costs and just leave them open to be hacked are lunatics. I think the worst thing you can do other than get every card possible from the Shopping Cart Trick is leave accounts open and not ever use or check them that's just insanity and asking for fraud.


Not sure what to do with it. I don't even use Freedom if that tells you anything so I really don't need the account.


Anyway this probably won't happen to most of you as you don't do the crazy things I do, but be sure they close when you think you closed an account.


popamode72
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Postby popamode72 » Fri Aug 15, 2014 9:32 am

Glad you were able to work that out. The very thought of someone hacking into one of my cards that I may not use anymore, stealing my identity and committing fraud is just terrifying.

So glad I closed a couple of accounts I didn't need anymore recently like my Fingerhut account for example. Kinda got spooked when I logged in to see that it still had a credit limit but then I called them and made sure that they had actually closed it. Should be reflected on my credit reports by next month or so according to what they told me. I've seen people on MyFico whine and complain that they still have their Fingerhut accounts open even after being able to get way better cards and I just don't understand why they keep em open.

What was the credit limit on your BOA card BTW?
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MemberSince99
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Postby MemberSince99 » Fri Aug 15, 2014 10:10 am

The limit on the first card was 5k. The limit on this card that is open is 10k.

MemberSince99
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Postby MemberSince99 » Fri Aug 15, 2014 12:26 pm

Well after thinking about it, I guess I'll keep it. I really don't particularly have a use for it, but it has no annual fee. Amex really does get almost all the swipes these days and I plan to use the Dodge card for service on the vehicles, I have Lowe's for home stuff, I mean even the Freedom doesn't get used so I pretty much will have two cards I don't use (I'll just use the Dodge card where Amex isn't accepted). But what the heck....if they eventually close them down which I would not blame them for, then they do.

supercoolman
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Postby supercoolman » Sun Aug 17, 2014 1:48 am

you can't close a card just like that with a secure message. SOP should require CSR to read the terms & conditions to you to close the card properly especially for a big bank like BoA



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