airplanefreak Posted April 10, 2005 Report Share Posted April 10, 2005 Sorry if this belongs in the credit card forum but here it goes.I disputed my Jc Penney card for late payments with the CB's. When I pulled PG last night my account is showing closed.I have had this account since 1997 and I cannot remember havingany late payments. I think they may have closed the account because I have not charged anything on the card in about a year.So I have been lurking here for about a month. I thought I was doingthe right thing.I don't want to lose the account as it shows a long history, but I donot need a negative as I plan to buy a house next year.I was planning on calling them Monday morning after I get off fromwork but would like to know if I screwed myself and just shouldnot bother.I will be back later after I catch some z's before my graveyard shifttonight to answer any questions. Link to comment Share on other sites More sharing options...
willingtocope Posted April 10, 2005 Report Share Posted April 10, 2005 I don't think there would be any harm in calling JCPenney's. I'd play dumb, like "...gee...I got my free credit reports the other day and I see you're not listed. What happened? I've had an account with you guys for a long time...is it closed?..."If it isn't closed, then you can probably get them back by just using the card again... Link to comment Share on other sites More sharing options...
airplanefreak Posted April 11, 2005 Author Report Share Posted April 11, 2005 Well, I did what willingtocope said and called. Thank youfor your advise.I played dumb and the nice lady said she shows my account isopen and not closed. She said the CB's must be in error.She is putting it in for investigation sothey will let me know.The best part is while on the phone with her I asked for a CLI.She asked how much I would need, I told her $500.00 more for business clothes and she said no problem.So now I guess I see what happens with the investigation. I do not want to "p" off the CB's. Is this the right thing todo? Link to comment Share on other sites More sharing options...
willingtocope Posted April 11, 2005 Report Share Posted April 11, 2005 IMHO, you've done just fine. You might wind up with the "lates" back on your reports, but that should be about it. And no, you probably haven't upset the CBs, they (for the most part) are completely automated and no one will even notice... Link to comment Share on other sites More sharing options...
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