Barclaycard Apple Rewards account CLOSED

[HeavenOhio]

There's a magically right answer in this case because the OP can make the problem go away by paying the bill as agreed.

[UpperNwGuy]

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@Anonymous wrote:

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@Anonymous wrote:

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Seriously?  Does the average person enter into a contractual agreement to do any of those things?

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Saying "Do it because of a contractual agreement" is, to my mind, very different from the emotional appeal "It's the right thing to do".   The contract lays out what happens if you don't meet the terms so you can decide to break them knowing the consequences.   It's not magically right or wrong.

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C'mon, Lurker, quit splitting hairs.  You know darn well that the right thing to do is to honor one's contractual commitments.  Quit rubbing my nose in it and start supporting good financial practice.

[MeOnMyWay]

I don't think 'doing the right thing' is subjective, in this case.
If you walk out of a store with products, but you didn't pay for them, generally speaking--in a stable, capitalistic economy, where one is likely to have a credit relationship with a financial institution--that is *not* doing the right thing. Mulling the rightness of paying or not paying them because they are a giant, multinational financial institution is a rationalization. They may be bad guys who will take you for everything you have (and they will, if you are not careful) that doesn't make it right to be a bad guy too. If one made purchases on the card, they received the benefit of those purchases. Pay for them.
It is sad, troubling...that there is even a suggestion that the only reason someone should feel obligated to pay the bill is because it could hurt *them* if they don't.
PS...am vegan for moral reasons (which, incidentally, should apply to environmental motivations too), pay a lot of attention to my carbon footprint--including by minimizing consumption, and work a socially responsible job. We can do all the things.

[blindambition]

You should definitely keep on paying what you owe. You don't want to incur anymore negative points on your reports. It's true that it will depend on how they coded the closing.
You should pay out of principle, but also out of not being blacklisted. You may never get a card again if that happens.

[wasCB14]

In this one case, it's clear that OP should repay. No one seems to be disputing that.

But I think LTL makes a valid point about the reasoning many follow. Rules and consequences are objective while a lot of what is right or wrong is subjective.

If we're suddenly sympathizing with the banks, there is a litany of other activity I'd say would be just as bad as defaulting...activity which either is not generally criticized, or is even praised.

[Anonymous]

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@Boribori wrote:
Yeah, it's probably because my other high balances on the cards. I just didn't know if my credit score was already bad from them closing it and it wouldn't matter wether or not I paid off the balance or not. But if it'll get worse if I don't pay it then I will continue to pay it

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if you dont mind me asking what was your utilization looking like when they closed it

[Anonymous]

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@UpperNwGuy wrote:

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C'mon, Lurker, quit splitting hairs.  You know darn well that the right thing to do is to honor one's contractual commitments.  Quit rubbing my nose in it and start supporting good financial practice.

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OK, I will happily support good financial practice, because that gives the best results.  And not because ....

[Boribori]

It was because I had high utilization thats why they closed it. Almost 96% but I always paid my bill. I'm in a situation where I'm helping my fiance get through school and I'm fronting all the bills. Didn't think they would close it when I was paying on time. I will continue to pay like I have. It's been closed since May.