How to cancel CreditOne Bank Credit Card?

[dragonrong]

Hi all - I just received my card in the mail a few days ago and have not yet activated it. I would like to cancel this card and know what is the best way. CreditOne's FAQ page on their website shows the following:

"What will happen if I don't activate my new credit card?

You'll be unable to use your new credit card for purchases or other transactions until you activate it by calling our toll-free activation number. Additionally, your account may be automatically closed if your card is not activated within 14 days after receipt."

My concern is that I believe that the company already charged me for the $75 annual fee because my myFICO report posted the $75 balance. Does this mean that I still have to pay them this AF even if I have not activated the card? I guess the best way is to speak with one of their CSR and get them to tell me but I wanted to ask you all as well. Please help and thank you in advance!

[T4YLOR_M4D3]

IF you have just received it, I would call them ASAP and request that they waive the fee and close the account. The worst they can say is no...I would need about 10 "no's" before I stop calling.

[Simply827]

Call to cancel. If it's been less than 30 days since the charge, I believe they must refund the AF by law.

[NewtoCredit80]

Call to cancel. Even when the card is not activated credit one would ask for annual fee. If cancel immediately then they might have to refund the fee.