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First of all Can I chargeback my debit prepaid Discover Card? Hoping for any response. My 2nd question... I cancelled a Macys card (had a zero balance) because I noticed 2 accounts were showing up on my credit report. At first Macys told me to ignore it, then someone told me that they sometimes open 2 accounts for a card due to something with different credit limits (each account on my report had a different credit limit). Anyway, everyone at Macys told me something different, so I panicked and closed the account(s).. |
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Yup, although you might want to make sure and wait for someone else here to confirm my answer as I am not sure. Better yet, why don't you email the Discover Card guys because they can give you help better...
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Hi George,.
I'm sure. I got an alert from MyFico.com letting me know my score had dropped due to this change... |
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I doubt they will re-open it they will tell you to reapply....
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That's normal with Macy's. You have one physical card, but can have two accounts: the store card for when you buy something in the Macy's store, and the visa account for buying everywhere else. If you buy something big, you will get a third account. Nothing to worry about...
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Not True... If the account is closed at the customers request all you need to do is call back and ask that it be re-opened. You can ask to make sure they are not pulling your CR but the rep shouldnt..
As far as the mulitple accounts... As stated we report you Store/Visa/Major Puchase/ etc. accounts as seperate tradelines on your CR. So if you have anything like that, that is why have 2 accounts showing. An easy way to tell is if you can see the account numbers on your CR the account numbers should be 2 digits longer than your actual account #. Those last 2 digits are the account type. If it's a visa the number will be completely different than whats showing on your regular Macys card... |
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Thanks for your help, guys! I called Macys and asked them to reopen my account without dinging my credit. They said "no problem" and did it in about 2 minutes. Now I just have to wait to see if my FICO score goes back up.....
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My luck I would have.
LOST. 11 points from the. HARD. Still would have been down 1 point. GOOD LUCK TO YOU. This post has been edited by. GEORGE. : 21 January 2010 - 08:34 PM.. |
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CALL AND ASK ABOUT RE-OPEN (hard free).
Are you really. SURE. The 10 points was from this specific case and nothing else???. Scores can go. UP. Or. DOWN. For any reason or no reason. This post has been edited by. GEORGE. : 20 January 2010 - 08:47 PM.. |
