Everyone knows that paying your bills on time is essential if you want to get — or keep — strong …
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credit card payment
For umpteen years one of my credit cards has been due on the 21st. Abruptly the due date changed to the 18th. I happen to be set up for online payment alerts so I caught the change, but if I hadn’t I could have easily missed it.
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Closing a credit card account will never help to improve your credit score. Credit scores give extra “points” for consumers who keep their credit cards open for a long time, who have high credit limits and who have a healthy record of using credit. You are less of a risk to lenders and creditors if you are currently showing that you can manage and pay credit cards on time.
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Letting the credit card company keep that $200 safe for me just didn’t seem right. So I called into the MBNA customer service line to see if I could get the credit returned to my account. After 20 minutes on hold, I gave up and tried calling again later that night. When I finally got through to a representative, a nice woman informed me that the $200 could be sent back to me via paper check at the end of my billing cycle. What a hassle. Instead, I decided to leave the credit on my account. I’ll use up the $200 balance over the next few weeks worth on groceries and other expenses.
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