I just called Orchard Bank to close one my my cards. After speaking with 2 offshore reps who said the fee wouldn't be waived unless I closed it, I called one last time and said just close it, then they tranferred me to someone who tried to tell me how great my $300 cl is for renting cars and everyday use. I explained to her that $300 is nothing on a car rental. She asked me to reconsider, i said I had already thought about it and if the $59 fee wasn't waived, I wanted to close it. So she did. I specifically asked her would it report as closed by ME and she said yes and would send a letter saying so.
Anyone close their account and it report as closed by cardholder or report incorrectly as closed by creditor??
Current Debt Management:
$15k Trinity Financial Management (scheduled pay off late 2021)
$10k NFCU
$350/mth Bridgecrest Auto Loan
Goals: Pay off credit card debt & buy a new home before end of 2020
Long Term Debt:
Fed Loans - $150k
Navient - $100k
Taking a "if God don't do it, it won't get done..." approach to paying these off.
