Got an acct that was closed by credit grantor due to hardship. Finished the pay plan and the acct is closed by credit grantor. I get this email from them today after I made my payment.
Tell me what you think? It is not a credit line increase, it is an upgrade to a visa gold.
UPGRADE YOUR VISA® CARD TODAY! Respond Immediately - Limited Time Offer
Congratulations! Your account has been pre-selected* for a credit card upgrade to a Visa® Gold card! Accept this card today and you will be automatically enrolled in our Personal Identity Theft coverage program offered exclusively to our Gold Customers. This program allows you to recover expenses incurred in the event that your identity is ever stolen or compromised.
Your acceptance can be processed in just 60 seconds! A $49.95 Upgrade Fee** will be billed directly to your account. This special offer is our way of thanking you for being a dedicated Customer!
Your new card will be sent to you within 3 - 5 business days. So, act now and accept this offer by going directly to http://www.upgrademyaccount.com, or, call us toll free at 1-800-953-0766. Be sure to have your account number ready.
Lynn Matthews Cardholder Enhancement Services
P.S. Remember, if you accept today, your new card will be sent in 3 - 5 business days. Visit us online at http://www.upgrademyaccount.com or call us toll free at 1-800-953-0766 to accept this offer.
*You were selected for this offer based upon a determination that your record maintained with Applied Card Bank passed our requirements. We reserve the right not to upgrade your Account if your status has changed as of the date your Acceptance is processed. **The Upgrade Fee is a FINANCE CHARGE that will be treated as a “Cash Advance” and will reduce your credit availability, however, no Cash Advance Fee will be charged to your account for this transaction.
You know what, this account is now reporting as open. I was fine with them leaving it closed. Anyway, I am not going to let them do this, why should I pay to upgrade when they offered it and I didn't ask?