I paid my credit card debt and canceled the credit card and still charge me?
I had a small debt of $ 91.33 which is great for me because I am a high school student and I have only one part-time job. so my bank Wells Fargo and I had a debt with them to i $ 91.33 cash to get out and clear my name out of the credit Burou in person and told them to cancel my card I want to use it anymore … and I also broke my card and Trew far … are now charging my overdraft and is a backup in the most negative is – $ 59.88 I'm sick of this, but I need help, what should I do?
Credit cards have no overdraft fees. Is this a debit card to withdraw money from a checking account? If so, you may have torn something loaded before the card was not clear your account until later. You can request a statement expenditure (or wait for the periodic sale, but sooner is better when disputing charges) and check that you have made or dispute the charge was not made by you. If it was not made by you, you must remove the load. You may have to apply separately to remove the overdraft fees, if we do along with the other dependents.
CREDIT REPAIR – info from the Credit Secrets Bible
My wife and I made a commitment to get out of debt. Our plan started in February and we have cleaned up credit card accounts. We still have a vehicle that is making payments (more than the minimum) and loans student. For credit cards planned for the balance and just keep sending $ 0 to $ 5 per month to each card, to obtain a credit balance. Is this well, do we still use the gas card to say just what it takes to balance each month? I do not want to close them as my wife has little or no credit history. I prefer out of sight of mind and use our debit card for purchases, but I want to improve my history and establish his own. Any jackals would be greatly appreciated.
Agreement open accounts is definitely good for your credit history as long as you stay within 25% of their total credit. As you have paid everything off, try to use the credit card only once a month and pay the full balance. My husband and I have a good system – we've created a VERY special day a month (not necessarily expensive, Special only) and use the credit card for all purchases related to dates. Usually runs about $ 50 to $ 100. Then we paid in full. We know there was a lot of fun using that credit and then literally put the card in the freezer until the night of next month date. It is an easy way to establish credit in a responsible manner and is much more fun than spending a little boring, like gas or groceries. 🙂
