If you report a credit card stolen, can they deny you one?
as2633 asked:
My husband has a credit card with a 0 dollar balance and a several thousand dollar limit (his parents stole his identity when he was much younger, we did not have a copy of this card). Tonight, my husband called to have a copy sent to him for our records, and to make sure his parents were removed from the card. He was able to change the address, and then the customer service rep started asking him questions about how much he made a year. He then told my husband that because he has another card maxed out (another one his parents opened when he was younger) they could not send him a replacement- due to his credit but the card is still active just “blocked.”
My husband has a credit card with a 0 dollar balance and a several thousand dollar limit (his parents stole his identity when he was much younger, we did not have a copy of this card). Tonight, my husband called to have a copy sent to him for our records, and to make sure his parents were removed from the card. He was able to change the address, and then the customer service rep started asking him questions about how much he made a year. He then told my husband that because he has another card maxed out (another one his parents opened when he was younger) they could not send him a replacement- due to his credit but the card is still active just “blocked.”
Does this sound strange to anyone else? We have no desire to use this card, I just want it for our records so I can set up an online account and monitor it to make sure his parents aren’t still using it.
they are not canceling. They are keeping it active, but won’t send us one.
Also, we don’t want to close it because closing it will affect his credit negatively.
Harvey
Sue
If you don’t plan to use the card, and only want to prevent his parents from using it, why not just cancel the account?
Mark
they are compairing with the past credit report and now because of the ecnomic times they will deny one
Rodney
Wait for the cancellation notice in the mail. Sign up for another card at a credit union prior to such a notice. Even a $500 limit can protect your credit profile if you only charge a $5 item each month on that card.
It’s all about debt/credit limit ratio. Keep your debt on your cards low compared to your total credit limit and you will do well.