Credit Card Fees
Post subject: Credit Card FeesGuest: CreditCardGuru
Posted: Thu May 12, 2005 7:02 pm
My brother has a Capital One card, and so far we both like them, but he went into the hospital and was obviously unable to pay his account so he was charged late and over the limit fees as well as it is now reporting deliquent....what would be the best thing for him to do and would they need a copy of his discharge papers or not?!
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Guest: Polonius
Credit Expert (100+ Posts)
Post subject: Unable to Pay Credit Card Fees
Posted: Thu May 12, 2005 8:42 pm
Best thing is for him to call Cap1 and explain, sweetly, that he was hospitalized and regrettably unable to handle his financial responsibilities for a while. Ask for removal of the late and return of the card to the prior interest rate.
BTW, what did being hospitalized have to do with him go over limit on the card?
Guest: rain
Post subject: Unable to Pay Credit Card Fees
Posted: Thu May 12, 2005 9:19 pm
Didn't you say your cousin works for cap1? Maybe with insider help its easier? He'll know the right departments to contact...
Guest: CreditCardGuru
Post subject: Unable to Pay Credit Card Fees
Posted: Fri May 13, 2005 2:47 am
My cousin couldn't help he works in marketing and only thing he told us to do was write a letter because some of the customer reps are morons.....because he did in fact try to call them. He went over the limit because of the two late fees. He was in the hospital for a while his epilepsy was the problem I believe. He wrote a prevous letter but they wrote back saying there was no credit reporting problem, so apparently he wrote the letter like a moron, typical for him, LOL. I just don't know what I should urge him to put in the letter to make them have a guilt trip or something!
I'm the Credit Card Guru, YOU BET
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: George Wright
Post subject: Unable to Pay Credit Card Fees
Posted: Sun May 22, 2005 10:27 am
If you are having problems with the credit card debt then please go to creditvictimsrelief.com. This website gives anyone all the information they will need to help with their credit card problems. If you are wanting links to other programs of financial concern then go to wwassociates.ws
[Edited by Board Monitor 5/23/05]
_________________
This website gives links to topics of finanancial concern, from credit card information, stopping home foreclosures, and financial opportunities.
Guest: Board Monitor
Post subject: Unable to Pay Credit Card Fees
Posted: Sun May 22, 2005 12:27 pm
What I recommend is for your brother to get the account caught back up current, and pay on time say 6 months, then ask Capital One to forgive the lates, or re-age the account removing any late listings resulting from this. And also periodically call every 6 months for interest rate reduction, and since he went over the credit limit, ask later down the line for a credit limit increase to cover up the over the limit reporting.
Best Regards,
Pammila Phillis
Board Monitor
http://www.cardratings.com
501-663-0314 PH
Posted: Thu May 12, 2005 7:02 pm
My brother has a Capital One card, and so far we both like them, but he went into the hospital and was obviously unable to pay his account so he was charged late and over the limit fees as well as it is now reporting deliquent....what would be the best thing for him to do and would they need a copy of his discharge papers or not?!
I'm the Credit Card Guru, YOU BET
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Polonius
Credit Expert (100+ Posts)
Post subject: Unable to Pay Credit Card Fees
Posted: Thu May 12, 2005 8:42 pm
Best thing is for him to call Cap1 and explain, sweetly, that he was hospitalized and regrettably unable to handle his financial responsibilities for a while. Ask for removal of the late and return of the card to the prior interest rate.
BTW, what did being hospitalized have to do with him go over limit on the card?
Guest: rain
Post subject: Unable to Pay Credit Card Fees
Posted: Thu May 12, 2005 9:19 pm
Didn't you say your cousin works for cap1? Maybe with insider help its easier? He'll know the right departments to contact...
Guest: CreditCardGuru
Post subject: Unable to Pay Credit Card Fees
Posted: Fri May 13, 2005 2:47 am
My cousin couldn't help he works in marketing and only thing he told us to do was write a letter because some of the customer reps are morons.....because he did in fact try to call them. He went over the limit because of the two late fees. He was in the hospital for a while his epilepsy was the problem I believe. He wrote a prevous letter but they wrote back saying there was no credit reporting problem, so apparently he wrote the letter like a moron, typical for him, LOL. I just don't know what I should urge him to put in the letter to make them have a guilt trip or something!
I'm the Credit Card Guru, YOU BET
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: George Wright
Post subject: Unable to Pay Credit Card Fees
Posted: Sun May 22, 2005 10:27 am
If you are having problems with the credit card debt then please go to creditvictimsrelief.com. This website gives anyone all the information they will need to help with their credit card problems. If you are wanting links to other programs of financial concern then go to wwassociates.ws
[Edited by Board Monitor 5/23/05]
_________________
This website gives links to topics of finanancial concern, from credit card information, stopping home foreclosures, and financial opportunities.
Guest: Board Monitor
Post subject: Unable to Pay Credit Card Fees
Posted: Sun May 22, 2005 12:27 pm
What I recommend is for your brother to get the account caught back up current, and pay on time say 6 months, then ask Capital One to forgive the lates, or re-age the account removing any late listings resulting from this. And also periodically call every 6 months for interest rate reduction, and since he went over the credit limit, ask later down the line for a credit limit increase to cover up the over the limit reporting.
Best Regards,
Pammila Phillis
Board Monitor
http://www.cardratings.com
501-663-0314 PH
posted by CardRatings.com at 3:52 PM
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