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Hello All,
First post here on the site. I first want to say I wish I would have know of this long time ago. The site is awesome.
As the subject indicates, I have a card issued from CFNA in which is being reported as $0 balance, $0 available. It appears this account is still considered to be opened when reviewing my report, however, I do not get an available balance. I spoke to a CSR and was informed the available credit was zeroed due to past due payments which have been paid for over a year now. She said I was up for a review and asked if I wanted it, I agreed, however, I was denied. Now, from my understanding, the account is still open and is being reported in good standings, just $0 balance, $0 available.
With this being said, I have two questions if I may...
1)Should I try to contact someone via a backdoor number as some of you have shown to have been successful on?
2)Would there be an adverse effect if I just closed the card now and let the card just be history in terms of reporting?
I hope I stated myself clear enough for a response. If not, please let me know where the confusion is because I could use the advice.
Thank you!
Welcome to the forums!
1.) Yes, you should try. Unfortunately, I don't have a backdoor number for CFNA. Someone else might know one.
2.) Please read the closing credit cards in my sig line
CFNA = Credit First National Association
example : firestone
Nailed it fender..Firestone is the one as well.
Fused...the lates are what they are - valid. So, should I just keep it and maybe go back a little later and ask to review since the account is open and is in good status?
mbrown75, you are right. my apologies. It does show my limit as my high balance as well. My apologies. With that correction, should I just let it stand as it. Maybe it is not so bad afterall.
ABETRMAN wrote:Nailed it fender..Firestone is the one as well.
Fused...the lates are what they are - valid. So, should I just keep it and maybe go back a little later and ask to review since the account is open and is in good status?
Do you have any other open CCs in good standing. What are their reporting limits and balances?
yes...
895/2000
1693/1800
2950/3000
2433/5500
I also have one that has been closed (due to late payments), but is still carrying a balance of 3264/5295..been debating if i should bite the bullet and pay it completely off or pay down the others while making the mins on this one...that was going to be my next post topic:-)
I think I am getting the UTIL% thing which is why I have put a focus on trying to lower the others in good standings. Other than those, I just have my car note and house note both of which are in pretty good standings. Student loans which are in deferment right now.