suitntieguy wrote:I recently moved and came across an old credit card that I completely forgot about since I don't use it very often. I however did use it about 4 months ago but have no record of paying the balance. The reason I didn't pay it? When I logged into my online account soon after my purchase, the statement read as having a balance amount, but no minimum due and all the dates read as the year 1901 with some other weird numbers. I decided to call them but forget and it's been 4 months and I never recieved any emails, calls, or notices and my credit score is unchanged. I know what the honest thing to do is, but I'm also looking for an answer from anyone who's been in this situation or knows if they can come back in a year if they discover the mistake and charge me huge past interest or fees?
Yikes, you'd think member and takeshi were your parents the way they lectured you
What does it say now when you log in? Still a balance but no payment due? Were you looking at the statement or just the recent activity when you logged on? What have subsequent statements indicated?
The unfortunate reality is unless they issued statements indicating a zero balance you are on the hook. Chances are even if they did issue a zero balance statement, once they figured it out they would probably try to get late fees and interest from you--you'd have a pretty good argument to get it reversed though.
Not really knowing enough details, if it were me, I would pay it ASAP and hope for the best. It's only been four months.
Keep us updated! Good luck.