Author Topic: PSA: Don't swipe recklessly for others  (Read 293535 times)

Online CountValentine

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Re: PSA: Don't swipe recklessly for others
« Reply #3630 on: October 24, 2019, 05:20:08 PM »
Even if the score is wrong, can I assume this means that it has not yet registered as a late?
If the report is up to date the late should show. Get your current report directly from one of the CRA's.
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Re: PSA: Don't swipe recklessly for others
« Reply #3631 on: October 24, 2019, 05:23:19 PM »
Now I'm very confused.
If I make all the minimum payments up to date, it may make it MORE likely for them to report?
Can you login and see your statements? You need to find out exactly where you stand before you can proceed.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3632 on: October 24, 2019, 05:26:34 PM »
Can you login and see your statements? You need to find out exactly where you stand before you can proceed.
I can't really login, I dont actually have the cards!!
I spoke to customer service last night for a while. They gave me details. There was one single charge on June 11th, on both cards. They were both closed by Citi on July 1st.
What other specific info am I looking for? The bills are going to someplace in Suffern, NY, wherever that is.

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Re: PSA: Don't swipe recklessly for others
« Reply #3633 on: October 24, 2019, 05:29:12 PM »
I can't really login, I dont actually have the cards!!
I spoke to customer service last night for a while. They gave me details. There was one single charge on June 11th, on both cards. They were both closed by Citi on July 1st.
What other specific info am I looking for? The bills are going to someplace in Suffern, NY, wherever that is.
You don't have a login for the accounts?
Have any payments been made on the cards?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3634 on: October 24, 2019, 05:32:23 PM »
You don't have a login for the accounts?
Have any payments been made on the cards?
I dont. The guy who was using the cards does...
Payments were made on both cards up to the point when they were cancelled. Until then, they were all up to date (thats what the rep told me last night)

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3635 on: October 24, 2019, 05:35:40 PM »
Likely, your best hope is to pay it off and then write a goodwill letter, but I'd run it by the folks at creditboards.com.

Do you mean, post my story there, like I did here?

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Re: PSA: Don't swipe recklessly for others
« Reply #3636 on: October 24, 2019, 05:38:41 PM »
I dont. The guy who was using the cards does...
Payments were made on both cards up to the point when they were cancelled. Until then, they were all up to date (thats what the rep told me last night)
I would ask them when the last payment was missed. Either way ask what you need to do to bring these cards current.
Who cancelled the cards? Citi or your friend?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

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Re: PSA: Don't swipe recklessly for others
« Reply #3637 on: October 24, 2019, 05:39:59 PM »
Do you mean, post my story there, like I did here?
A goodwill letter is acknowledging you messed up and asking as a one time curtesy to remove the late. Creditboards deals with this stuff all the time.
Yes post there.
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

Offline cvh

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Re: PSA: Don't swipe recklessly for others
« Reply #3638 on: October 24, 2019, 05:42:00 PM »
I would ask them when the last payment was missed. Either way ask what you need to do to bring these cards current.
Who cancelled the cards? Citi or your friend?
The last missed payment was July.
Citi cancelled the cards.

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Re: PSA: Don't swipe recklessly for others
« Reply #3639 on: October 24, 2019, 05:44:07 PM »
The last missed payment was July.
Citi cancelled the cards.
This is what is confusing. They were up to date to July but Citi closed them on 7/1? Why they close them?
You're so far up Trump's a** you can see Giuliani's feet.  HT Baruch

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Re: PSA: Don't swipe recklessly for others
« Reply #3640 on: October 24, 2019, 05:59:03 PM »
Iím not sure but I assume they figured out his guy was doing all that spending on the account. Iím not the only one who he opened cards for.

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Re: PSA: Don't swipe recklessly for others
« Reply #3641 on: October 24, 2019, 06:01:34 PM »
The blue jay charges were probably fake charges for MS spending that triggered them to shut down based on the spending pattern
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Re: PSA: Don't swipe recklessly for others
« Reply #3642 on: October 28, 2019, 08:58:50 PM »
So Iím getting confused about one point and hoping someone can clarify:
I did give my card to someone in January and gave him permission to use it for a few months. All those bills were paid in full, on time. I texted him in April to stop and close the accounts, and he said he would. Only problem was, he kept using them instead! The bills were still paid on time,except for the final charge which was never paid and citi closed the cards only three weeks after that charge. That June charge was most definitely unauthorized by me, and I have no idea actually what happened, as I canít reach the person who originally borrowed my cards.
Can I claim the charge was unauthorized, or since I at one point lent him my card I canít ?

Offline gozalim

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Re: PSA: Don't swipe recklessly for others
« Reply #3643 on: October 28, 2019, 09:25:26 PM »
So Iím getting confused about one point and hoping someone can clarify:
I did give my card to someone in January and gave him permission to use it for a few months. All those bills were paid in full, on time. I texted him in April to stop and close the accounts, and he said he would. Only problem was, he kept using them instead! The bills were still paid on time,except for the final charge which was never paid and citi closed the cards only three weeks after that charge. That June charge was most definitely unauthorized by me, and I have no idea actually what happened, as I canít reach the person who originally borrowed my cards.
Can I claim the charge was unauthorized, or since I at one point lent him my card I canít ?
what if you call in the card as missing/stolen?

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Re: PSA: Don't swipe recklessly for others
« Reply #3644 on: October 28, 2019, 09:30:32 PM »
what if you call in the card as missing/stolen?
Than you lied to  and stole from them and can get prosecuted for that
May you slide down the banister of happiness & get many splinters of success up your career.