US card-Non US citizen abroad-not making payments

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2 posts
Charlotte
 
Posts: 1
Joined: Sat Feb 27, 2010 1:42 pm
Location: Miami

US card-Non US citizen abroad-not making payments

Postby Charlotte » Sat Feb 27, 2010 2:13 pm

Hi! I hope you can help me...

I am a Brazilian citizen who applied for a MasterCard issued by Citibank back in 99 while studying in the US. In fact, the primary cardholder is my husband, also a foreigner (he's Spanish and applied for the card b/c he had a SSN). We moved out of the US and continued using the card...We still had a US bank account and used Autopay to make payments. We never missed a payment, we payed the full amount every time we could, we were good customers.

These last years we used the card less and less but kept making payments and used it occasionally. Our balance is around 10K.

Last year, we switched banks and I forgot to cancel my Autopay at the old bank. The result: Citibank took that as a "bad check" and they closed our account. Like that. Closed. Never had missed a payment before. The first time. But hey, we had a 15K limit and I guess Citibank was waiting for an opportunity like this to tell us to go to hell.

So now, Citibank has revoked my online privileges -cannot make online payments, cannot do anything but check my online statement. I have been told that I would need to speak to the new accounts dept. and get a new credit card. Yeah, right, a foreigner living abroad trying to get a US credit card with no SSN....hahahha

I feel sooo frustrated, I have no other credit card...our economic situation is bad now....we had to move back to Brazil, we are living with our in laws...it's not like i am homeless, but I don't want to keep making payments to Citibank knowing that I will not be able to use my credit card anymore. I just called them and asked for a payment arrangement and they said that that sort of arrangmente is for people who really can't pay, homeless, broke, jobless

I know I have a debt, I know I spent that money and I know I should pay it back. But right now, it is not my priority and I just feel so betrayed by these idiots.

So, my question is: what happens if I stop paying? I don't live in the US. How can this affect me?

thank you if you are still reading....


DoingHomework
Centurion Member
Centurion Member
 
Posts: 707
Joined: Tue Sep 22, 2009 1:15 pm
Location: Arizona

Postby DoingHomework » Tue Mar 02, 2010 10:24 am

Really the only thing that can happen is it could ruin your credit in the US. But if you don't plan to live in the US then there probably would be no impact. It's good that you want to pay back the debt. I'd say your best bet is to mail in payments when you can and not worry too much about it.



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