topic Re: Can I keep Amex & Citi? in Credit Cards

Can I keep Amex & Citi?

Anonymous — Wed, 08 Aug 2012 23:38:44 GMT

It's a long story, but I gotta go to jail for 3-5 years.

I have a green NPSL Amex and Citi ThankYou Preferred card with a 5k limit. Both cards have zero balance and are linked to my bank account with 23k deposited. If being a convicted felon sucks, having my credit history wiped out because there are no transactions will just add icing to the massive pain cake.

I hope the Amex just remain open as a result of the annual fee, even with no charges to post. I know that the Citi card will cancel without any activity. I plan on opening up a mailbox at Mailboxes Etc. and that pay monthly to the Citi card, which is automatically paid by the auto draft from my bank. The lady said if I have a big enough box it will hold 10 years worth of statements. I also need to change my billing address for both cards to that address and the address on file with my bank.

FYI, my money will not be affected. Fines have been paid, and my lawyer has been paid.

Anyone think this is gonna work?

Re: Can I keep Amex & Citi?

LS2982 — Wed, 08 Aug 2012 23:45:59 GMT

@Anonymous wrote:
It's a long story, but I gotta go to jail for 3-5 years.

I have a green NPSL Amex and Citi ThankYou Preferred card with a 5k limit. Both cards have zero balance and are linked to my bank account with 23k deposited. If being a convicted felon sucks, having my credit history wiped out because there are no transactions will just add icing to the massive pain cake.

I hope the Amex just remain open as a result of the annual fee, even with no charges to post. I know that the Citi card will cancel without any activity. I plan on opening up a mailbox at Mailboxes Etc. and that pay monthly to the Citi card, which is automatically paid by the auto draft from my bank. The lady said if I have a big enough box it will hold 10 years worth of statements. I also need to change my billing address for both cards to that address and the address on file with my bank.

FYI, my money will not be affected. Fines have been paid, and my lawyer has been paid.

Anyone think this is gonna work?

Hopefully it does for you, d oyou have anyone you trust with your cards? You could let someone close to you use them and pay them monthly.

Re: Can I keep Amex & Citi?

gettnthere — Wed, 08 Aug 2012 23:50:56 GMT

@LS2982 wrote:
@Anonymous wrote:
It's a long story, but I gotta go to jail for 3-5 years.

I have a green NPSL Amex and Citi ThankYou Preferred card with a 5k limit. Both cards have zero balance and are linked to my bank account with 23k deposited. If being a convicted felon sucks, having my credit history wiped out because there are no transactions will just add icing to the massive pain cake.

I hope the Amex just remain open as a result of the annual fee, even with no charges to post. I know that the Citi card will cancel without any activity. I plan on opening up a mailbox at Mailboxes Etc. and that pay monthly to the Citi card, which is automatically paid by the auto draft from my bank. The lady said if I have a big enough box it will hold 10 years worth of statements. I also need to change my billing address for both cards to that address and the address on file with my bank.

FYI, my money will not be affected. Fines have been paid, and my lawyer has been paid.

Anyone think this is gonna work?
Hopefully it does for you, d oyou have anyone you trust with your cards? You could let someone close to you use them and pay them monthly.

+1, i agree. somone really close and whom you really trust could put a small, occasional charge on the cards and then pay it so that they dont get closed due to inactivity

Re: Can I keep Amex & Citi?

Anonymous — Wed, 08 Aug 2012 23:55:47 GMT

I would recommend that you contact the Service Representative of both cards and see if they will suspend the usage of the cards

for whatever time you may need.

You do not need to explain the circumstances of your situation.

Just informed them it's personal reasons and you would like to keep the accounts active, but suspended for a period of time.

Hope this helps.

Good luck.

Re: Can I keep Amex & Citi?

Anonymous — Wed, 08 Aug 2012 23:56:31 GMT

Hopefully it does for you, d oyou have anyone you trust with your cards? You could let someone close to you use them and pay them monthly.

+1, i agree. somone really close and whom you really trust could put a small, occasional charge on the cards and then pay it so that they dont get closed due to inactivity

I am not comfortable with anyone else being able to use them. My moms might be okay, but anyone else in the family is likely to max them out. That would screw me hard. I was just going to hide the cards somewhere, at an undisclosed location.

Am I going to get automatically canceled because of my new criminal record?

Re: Can I keep Amex & Citi?

HenryJumbo — Thu, 09 Aug 2012 00:03:12 GMT

Bad advice. You can't trust anyone for 3-5 years not to overcharge your CC. Also I'm pretty sure it's illegal and you and the person can probably get in trouble. I think the plan of getting a P.O. Box with automatic bill and payment is good. However it might be pretty expensive.

Re: Can I keep Amex & Citi?

gettnthere — Thu, 09 Aug 2012 00:03:30 GMT

i would guess that CCC dont have access to your criminal records nor are they interested in something like that. just your credit

Re: Can I keep Amex & Citi?

LS2982 — Thu, 09 Aug 2012 00:03:55 GMT

@Anonymous wrote:

Hopefully it does for you, d oyou have anyone you trust with your cards? You could let someone close to you use them and pay them monthly.

+1, i agree. somone really close and whom you really trust could put a small, occasional charge on the cards and then pay it so that they dont get closed due to inactivity
I am not comfortable with anyone else being able to use them. My moms might be okay, but anyone else in the family is likely to max them out. That would screw me hard. I was just going to hide the cards somewhere, at an undisclosed location.

Am I going to get automatically canceled because of my new criminal record?

Creditors to my knowledge do not check criminal records. I would let your mom handle them for you if your serious about keeping your accounts.

Re: Can I keep Amex & Citi?

LS2982 — Thu, 09 Aug 2012 00:05:13 GMT

@HenryJumbo wrote:
Bad advice. You can't trust anyone for 3-5 years not to overcharge your CC. Also I'm pretty sure it's illegal and you and the person can probably get in trouble. I think the plan of getting a P.O. Box with automatic bill and payment is good. However it might be pretty expensive.

If an online transaction is made that should be sufficient. It's your mom of all people.....

Re: Can I keep Amex & Citi?

Dishpro — Thu, 09 Aug 2012 00:09:57 GMT

Set up autopay with the cards, that will guaranty monthly usage and set up payment from your bank account to pay the monthly card payments.

Re: Can I keep Amex & Citi?

gettnthere — Thu, 09 Aug 2012 00:13:23 GMT

@HenryJumbo wrote:
Bad advice. You can't trust anyone for 3-5 years not to overcharge your CC. Also I'm pretty sure it's illegal and you and the person can probably get in trouble. I think the plan of getting a P.O. Box with automatic bill and payment is good. However it might be pretty expensive.

Obviously LS and I are not trying to give bad advice......our posts are saying that he would really have to have someone that he could FULLY trust for the 3-5 years to handle the cards, our posts also imply that if he DID NOT have such a person, then Obviously he should not do it. the P.O. Box MIGHT work but there could be a whole host of problems that could arise that he would not be able to do anything about. it really does not solve the issue of usage with the no AF card either

Re: Can I keep Amex & Citi?

Anonymous — Thu, 09 Aug 2012 00:12:16 GMT

I would pc the Amex to zync to save on af. No difference to your credit file. I don't think af on Amex will be enough. I would do Netflix or something cheap for recurrIng ( Netflix on demand is less than 10 dollars a month) on both cards. Also I wouldn't do mailbox etc. do a mail forwarding service to prison so you can keep eye on credit cards.

Re: Can I keep Amex & Citi?

Anonymous — Thu, 09 Aug 2012 00:13:03 GMT

Btw you can probably ask for cli while in prison

Re: Can I keep Amex & Citi?

HenryJumbo — Thu, 09 Aug 2012 00:21:05 GMT

@Anonymous wrote:
Btw you can probably ask for cli while in prison

whahahahahhaha

Inmate: "Hey I'm calling about the new Discover IT card that came out today

Rep: "okay let me sign you up, where do you live"

Inmate: "123 State Prison road, cell 24A"

Rep: "and your inmate number is?"

Re: Can I keep Amex & Citi?

jamesdwi — Thu, 09 Aug 2012 00:31:45 GMT

@Anonymous wrote:
I would pc the Amex to zync to save on af. No difference to your credit file. I don't think af on Amex will be enough. I would do Netflix or something cheap for recurrIng ( Netflix on demand is less than 10 dollars a month) on both cards. Also I wouldn't do mailbox etc. do a mail forwarding service to prison so you can keep eye on credit cards.

+1 i woild recomend huluplus and netflix subscriptions should be less than $10 each... Then setup autopay and paperless statements on the accounts, shred the cards you can request new cards when you get out.

Re: Can I keep Amex & Citi?

Anonymous — Thu, 09 Aug 2012 00:39:15 GMT

@HenryJumbo wrote:
@Anonymous wrote:
Btw you can probably ask for cli while in prison
whahahahahhaha

Inmate: "Hey I'm calling about the new Discover IT card that came out today
Rep: "okay let me sign you up, where do you live"
Inmate: "123 State Prison road, cell 24A"
Rep: "and your inmate number is?"

that's what mail forwarding is for. I thought prisons have Internet access now

Re: Can I keep Amex & Citi?

HenryJumbo — Thu, 09 Aug 2012 01:51:16 GMT

I know what you meant I just thought it was funny the idea of asking for a CLI in jail lol.

Re: Can I keep Amex & Citi?

swpopham — Thu, 09 Aug 2012 02:10:40 GMT

henry, how did you do your sig? ive been screwing with it for days now?

Re: Can I keep Amex & Citi?

WhiteCollar — Thu, 09 Aug 2012 02:28:18 GMT

Why have a mailbox when you can signup from paperless statements? I know for a fact that inmates do have Internet access. I too think you should sign up for something reoccurring like Netflx or a gym membership and have them auto billed to your account automatically to keep activity going.

Re: Can I keep Amex & Citi?

Anonymous — Thu, 09 Aug 2012 02:42:20 GMT

is amex not doing backdating anymore? couldnt the op just shut down amex now then reapply when hes a freebird?