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Well, I have had my delta classic account since March of this year, 1k limit, never been late, never been over the limit, and always paid in full... I was notified today when i went online to look at my account that my account was closed. I called and first they told me I was closed due to being in collections, but then I talked to a supervisor and they said that they closed my account due to something on my credit report( but it is clean)
My question is since they closed the account will it look bad because they closed it. I really do not care that I am without the card, just more usage on the b of a..but I am just worried about my credit report.
Thank YOu
So long as there is no balance, you should be ok. It will have the notation that it was closed by credit grantor, but I am sure if anyone does a manual review, they will get used to seeing this from Amex and many people's reports, so, I wouldn't worry much.
Sorry they got you. I am wondering if it will ever stop.
ya, when I first saw it, I was like i cant believe this is happening to me. i hear it time and time again another cld because of all the posts I read on here. When I was talking to the idiot at amex, she told me that they recommend me viewing my credit report more frequently.. haha I look at it every week almost. She also says that Amex just started pulling soft inquries since septemeber and i told her that was funy because i have softs from amex since 2 weeks after i opened my account
dont you just love when you are smarter then the (Edited!) you talk to on the phone.
oc_nick, Welcome to the forums! In the future, please refrain from using words that might offend others. Thank you for your understanding, we appreciate your contributions to the forum
--fused myFICO moderator
Yes, it is amazing when I seem to know more about what makes up a credit score and my credit reports than some of the CSR's I have spoken with at several different CCC's.
I just listen to their ill advise politely and ignore it after I hang up. Some of them would do good to come here and learn.
b of a 300/2500
wells 350/3000
chevron 0/900
credit union visa 0/1000
wal mart 200/750
hsbc 0/900
best buy 300/1400
cap 1 0/1500
if my math is correct, that is under 10% util. and the part i am still frustrated over is i had higher balances when i applied back in march for the card. i prolly owed a total of like 2 thousand over a few cards and had a 650 exp. now i have lower balances and a 712 exp...