09-12-2012 03:22 PM
I called Cap1 about an hour ago in order to ask a few questions about closing my secured card. But before I could reach an actual human I accidentally closed my secured card via their automated "skynet" system.
After going through a few automated menus finally it said it would connect me with a rep. The system asked me what I was calling in regards to in order to better direct my call and when I said closing my account it responded with "your account has been deactivated. Your refund will be mailed...blah...blah"
The Problem: I had a balance still on the card. Although it was less then the amount of my deposit.
Question: Will them using the security deposit to cover the remaining balance adversely effect me in any way????
I spoke to 2 different CSA who both assured me that this would have no negative effect and that my account would show paid off with perfect payment history. But I figured I would ask everybody here, albeit retroactively...
09-12-2012 03:30 PM
When I closed mine, they paid off the balance within about 2 weeks. If you have a payment due before they apply the payment, I suggest you make it to be sure there is no problems.
They were very slow with the remaining check, I called them to remind them about 2 1/2 months after.
09-12-2012 03:32 PM
When I closed mine I did not have balance but got my check in about 2 weeks.
09-12-2012 04:52 PM
hope they dont jack you up my friend
09-12-2012 06:34 PM
My next payment is due on the 23rd. Should I make a min payment today just incase or will that payment ever go though seeing as how they deactivated my account??
Your online account should still work to make payments. I would do it, small price to pay for piece of mind. .
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