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Sherry Lynn 01-20-2006 10:34 AM
Quote:
Originally Posted by chewysmom
Kristy, that sux! Good for you tho that you got it taken care of! Our house has the cc rule that Schatzie's does...anything charged gets paid when the bill comes.
I've also heard it suggested to keep a credit card, but frozen in a block of ice in your freezer so you can't make any impulse purchases.

I'm thinking it would need to be a BIG A$$ block of ice to keep me away if I was determined enough!! After all, I do have hot running water right next to the freezer! :D :D

Meanwhile, I'll just stick to my cash card.

crystalsmom 01-20-2006 10:39 AM
Quote:
Originally Posted by Sherry Lynn
I've also heard it suggested to keep a credit card, but frozen in a block of ice in your freezer so you can't make any impulse purchases.

I'm thinking it would need to be a BIG A$$ block of ice to keep me away if I was determined enough!! After all, I do have hot running water right next to the freezer! :D :D

Meanwhile, I'll just stick to my cash card.
Oh funny, I have this picture in my mind of you with an ice pick chopping away to
get to that diamond sale. $10,000 reduced to $1,000. Really that frozen card, is
not a bad idea and it's one my daughter is going to get next phone call. lol

Muffie's Mom 01-20-2006 10:44 AM
Quote:
Originally Posted by livingdustmops
Kristy I am no expert on this but you also need to send them a letter telling them you want the account closed. Just because you have paid it in full and no longer are using the card it is still an active account. If you go to buy a home it will still show active if you don't close or if you do close it will state closed by customer. It will still be used as a portion of your debit to income when they are figuring if you can buy a home.

This is where it gets confusing as some financial experts say you do need to run with some credit on the books but your account with Chase will always be with one of the big 3 who collects this data and will still show up 30 years later.

Maybe someone with more experience than me can better define this.
It'll show up on your credit report also. You really DO need to send them a letter stating you wish to close the account. It's in YOUR best interests to do so.

chloeandj 01-20-2006 10:49 AM
Great news Kristy!

When my husband was layed off from his job recently, all our credit cards did this. We've been such good customers and always paid on time, it really sucks that they give you such little leway. We had hundreds of dollars in late fees add up and then to top it all off our interest rates went through the roof too. I think it was Discover that was the worst! Anyway, took a little equity loan out on our home and paid off all those stupid companies and it felt soooo good to do it.

Lucky's Mom 01-20-2006 11:10 AM
Quote:
Originally Posted by crystalsmom
I don't know if I would chance doing it by phone. I would write a letter, requesting confirmation that this was done. Also make a copy or print
the letter and send the original letter via the us postal service with a signature
conf. so you can see it was received and who signed for it.keep receipt with tracking # in case you need to verify the date that was done. I've been
doing this with my prescription drug coverage with medicare. Had to cancel
one and had to tell the other to cancel what I did not even apply for..

One thing I might add, you don't necessarily have to be late with THEIR
cc bill, if you are late with any bill, say phone, rent etc they can raise
your interest rate.
That's why you have to request them to mail you the letter saying it was paid in full & closed. We did this w/ 2 credit cards & it worked out fine. :)

StewiesMom 01-20-2006 11:47 AM
I have heard that stuff too about keeping the acct open. Yes, I do have LOADS more debt! haha. I am going to cut it up, but keep the account open I think. If i ever decide to use it again, I will just request a new card.

Itspuppyluv 01-20-2006 02:46 PM
Chase stalks me. I had an account a few years ago and they would call me every couple of weeks asking if I wanted to sign up for one of their protection plans, I would tell them no and a couple of weeks later someone else would call. This went on for months, even after I requested it be noted not to call and threatened to cancel the card. They didn't stop and I had to cancel. Since then 3 of my cards have been taken over by Chase. It's crazy, I can't get away from them. I think they are a cult. Watch out, you could be next. ;)

It's such a great feeling paying those suckers off.

crystalsmom 01-20-2006 06:23 PM
Kristy, if I were you I would go to a bank, any bank and ask to talk with a
loan officer. They handle mortgages and would be able to tell you which
would be better to keep it open or close it since you haven't purchased a
house yet. If you owned a home you might do things differently. They
look at credit reports daily and know how they are judged. You don't have
to give alot of detail. Just a thought.


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