Re: closing a credit card account
- From: "Rob graham" <rttgrahamwow@xxxxxxxxxxxxxx>
- Date: Fri, 30 Dec 2005 08:54:15 +0000 (UTC)
"John Redman" <johnphilipredman@xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx> wrote in
message news:dp1uvf$bla$1@xxxxxxxxxxxxxxxxxxxxxx
>
> "rk164" <rk164@xxxxxxxxxxxxxxxxxx> wrote in message
> news:M8CdnbS7Q8I14CneRVnyuA@xxxxxxxxxxxxxxxxx
>> Hi,
>>
>> I would like to close one of my credit card accounts, the main reason
>> being that my 6 month interest free period ended, so I transferred my
>> balance. As a result I no longer use this card.
>>
>> Having never closed a cc account before, do I need to tell the company to
>> make a note that I have requested the closure, in order to keep my credit
>> record in tact? Should I do this in writing? Any experiences of this?
>>
>> Or is this not necessary??
>>
>> Thanks in advance
>
>
> Just call them and tell them you want to close the account. They may offer
> you another deal to stay. The main reason for closing the account is that
> if you don't the credit limit appears on your credit file as being still
> available to you. Some companies are thought to decline credit to people
> who already have too much of it, so there is no advantage and perhaps a
> disadvantage to leaving it open but unused.
>
Plus, if you close it there is less risk of fraudulent transactions taking
place on it.
Rob Graham
.
- References:
- closing a credit card account
- From: rk164
- Re: closing a credit card account
- From: John Redman
- closing a credit card account
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