fhan1
[求助]信用卡得问题，比较复杂
2259
16
2008-07-26 22:38:00
It occured me once too - one of the commercial credit card. I moved but I forgot to change the address of that card... after ~8months, I got a call and he said I had to pay $150 right away otherwise my credit would be seriouly impacted... my balance was ~$40.
I was like... why didn't you find me earlier but the last day? I was arguing with the guy and reduced it to $100... hehe. It wasn't too bad. But be really careful, also some credit cards when you cancelled them, there might be some 'protection' or 'insurance' thing there, and they wouldn't tell you until years later and you'd own them big amount!
可以去dispute啊,不过不知道是不是有用.一般来说信用卡上的transaction,能argue的最常见的比较好办的是unauthorized,但是你这个明显不是.我觉得主要的应该不是这200块钱的事,当然平白少了这些也挺不舒服的.更重要的是影响了你的credit吧,如果拖的时间越长越不好.还是尽快把那个acct pay off比较好.我觉得要是augue的话,past due and interest也许还有点希望.如果他们没有给你寄任何帐单什么的话,mm买东西以后有没有搬家什么的,所以才没有收到呢?mm以后还是定期查一下信用报告吧.我以前也有类似的经历,不过是一张很久没用快遗忘的卡被人盗用了,所以dispute掉了,不用付钱,但是credit是受影响了,挺长时间才涨回来.从那以后就买了credit monitor的program,定时看一看,还是很有必要的.
It occured me once too - one of the commercial credit card. I moved but I forgot to change the address of that card... after ~8months, I got a call and he said I had to pay $150 right away otherwise my credit would be seriouly impacted... my balance was ~$40.
I was like... why didn't you find me earlier but the last day? I was arguing with the guy and reduced it to $100... hehe. It wasn't too bad. But be really careful, also some credit cards when you cancelled them, there might be some 'protection' or 'insurance' thing there, and they wouldn't tell you until years later and you'd own them big amount!
这ms是lz自己的问题吧。。。人家寄账单来也不看，citi的账单也没留意有没有charge这笔钱。。。200不算多，就当花钱买教训吧。
信用分数应该会有影响,不过钱数不多,时间也不算太长,应该很快就会涨回来的.
信用分数应该会有影响,不过钱数不多,时间也不算太长,应该很快就会涨回来的.
对了，你说discovery给拘，我记得discoery card好象是要PR 或citizen 的
到底了
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