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Regular Contributor
msheresy
Posts: 124
Registered: ‎05-21-2008

Bye Bye HouseHold Bank!!

So I HAD a Household Bank card with a $500 cl and a $59 af.  I knew that the af was going to post yesterday so today I called.  I figured that they wouldnt waive the fee but I tried anyway.  I was tranferred to an account manager and at first he was really polite offered to reduce it by half at which time I told him that it was my lowest cl and my only accout with an AF and that I didnt need it.  He still insisted, politely to just give it time and maybe in the near future I would get an auto cli....blah blah blah.  He asked to put me on hold to make sure that he could offer to split the af in half so I reluctantly said "ok" but I said he really was wasting his time because I was pretty set on closing it.  He came back, confirmed that offer but I said that it would be the same thing next year and that I didnt need to be throwing away $59.  

 

It took another 3 minutes to finally get through his thick skull that I was closing it.  He all of a sudden seemed very angry and practically yelled "Fine!  It's Closed! BYE!" and then he hung up. 

 

I logged into the account and paid my balance less the af.  Nothing online indicated that the account was closed.  After the payment posts, should I call back and make sure that the af balance is removed and that the account is in fact closed?  I have actually never closed a cc before.

 

 

 

 

Established Contributor
cartercorp
Posts: 851
Registered: ‎07-01-2008

Re: Bye Bye HouseHold Bank!!


msheresy wrote:

 

 practically yelled "Fine!  It's Closed! BYE!" and then he hung up. 

 

should I call back and make sure that the af balance is removed and that the account is in fact closed? 


Absolutely call back to make sure the acct is closed by you the consumer with a 0 balance. Leave nothing to chance when dealing with them..

Regular Contributor
johnson_long
Posts: 163
Registered: ‎08-27-2008

Re: Bye Bye HouseHold Bank!!


Absolutely call back to make sure the acct is closed by you the consumer with a 0 balance. Leave nothing to chance when dealing with them..

 

 

Household Bank closed my MC last month due to 9-months of inactivity,  My EX report says "Closed by Consumer" ,,, It only had a 4-k CL anyways,

 

I haven't looked at TU or EQto see how they're reporting it,

 


 should I call back and make sure that the af balance is removed and that the account is in fact closed?

 



You should be able to log onto your account and see if it says closed, I can still log into my old account and it says,

 

 

CURRENT STATUS

 Error  Your Account is Closed 

 

 

 

 

Frequent Contributor
74king
Posts: 403
Registered: ‎04-08-2009

Re: Bye Bye HouseHold Bank!!


msheresy wrote:

So I HAD a Household Bank card with a $500 cl and a $59 af.  I knew that the af was going to post yesterday so today I called.  I figured that they wouldnt waive the fee but I tried anyway.  I was tranferred to an account manager and at first he was really polite offered to reduce it by half at which time I told him that it was my lowest cl and my only accout with an AF and that I didnt need it.  He still insisted, politely to just give it time and maybe in the near future I would get an auto cli....blah blah blah.  He asked to put me on hold to make sure that he could offer to split the af in half so I reluctantly said "ok" but I said he really was wasting his time because I was pretty set on closing it.  He came back, confirmed that offer but I said that it would be the same thing next year and that I didnt need to be throwing away $59.  

 

It took another 3 minutes to finally get through his thick skull that I was closing it.  He all of a sudden seemed very angry and practically yelled "Fine!  It's Closed! BYE!" and then he hung up. 

 

I logged into the account and paid my balance less the af.  Nothing online indicated that the account was closed.  After the payment posts, should I call back and make sure that the af balance is removed and that the account is in fact closed?  I have actually never closed a cc before.

 

 

 

 


That's just like HSBC/Household Bank "NO CLASS" You did the right thing:smileywink: I'm proud of you.

 

King

Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
Regular Contributor
msheresy
Posts: 124
Registered: ‎05-21-2008

Re: Bye Bye HouseHold Bank!!


74king wrote:

msheresy wrote:

So I HAD a Household Bank card with a $500 cl and a $59 af.  I knew that the af was going to post yesterday so today I called.  I figured that they wouldnt waive the fee but I tried anyway.  I was tranferred to an account manager and at first he was really polite offered to reduce it by half at which time I told him that it was my lowest cl and my only accout with an AF and that I didnt need it.  He still insisted, politely to just give it time and maybe in the near future I would get an auto cli....blah blah blah.  He asked to put me on hold to make sure that he could offer to split the af in half so I reluctantly said "ok" but I said he really was wasting his time because I was pretty set on closing it.  He came back, confirmed that offer but I said that it would be the same thing next year and that I didnt need to be throwing away $59.  

 

It took another 3 minutes to finally get through his thick skull that I was closing it.  He all of a sudden seemed very angry and practically yelled "Fine!  It's Closed! BYE!" and then he hung up. 

 

I logged into the account and paid my balance less the af.  Nothing online indicated that the account was closed.  After the payment posts, should I call back and make sure that the af balance is removed and that the account is in fact closed?  I have actually never closed a cc before.

 

 

 

 


That's just like HSBC/Household Bank "NO CLASS" You did the right thing:smileywink: I'm proud of you.

 

King


Thanks!!

 

Just logged back in and nothing has changed.  I will be calling once my payment posts and I hope I dont have to deal with another jackass like that guy!!! :smileymad:

Frequent Contributor
74king
Posts: 403
Registered: ‎04-08-2009

Re: Bye Bye HouseHold Bank!!

[ Edited ]

msheresy wrote:

Thanks!!

 

Just logged back in and nothing has changed.  I will be calling once my payment posts and I hope I dont have to deal with another jackass like that guy!!! :smileymad:


Yes please do as companies like these like to play games, state they closed an account only to find out they didn't close it so they could continue to collect fee's. Stay on top of it.:smileywink:

 

King

Message Edited by 74king on 06-03-2009 10:25 PM
Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
Regular Contributor
Chris_1970
Posts: 104
Registered: ‎08-01-2008

Re: Bye Bye HouseHold Bank!!

I closed a BestBuy account by Household Bank on Monday, When I log in now, 2 days later,  it says "Your Account is Closed".

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