I have a few credit cards that I haven't used in a few years. I noticed they expired, but I did not receive new cards. This happened from two different companies, so I doubt that both companies forgot to send new cards? Can they cancel me like that?
121688
Have you moved since you stopped using the cards?  I would go on www.AnnualCreditReport.com  Get a copy of your report to make sure there are not any problems.  Its a free service provided by the 3 major credit bureaus.
483356
No phone number on the back of the credit card?  Don't activate, this could be a scam.  Look on line and see if you can find them, and get a telephone number.  If not, contact the Attorney General in you state and explain.  They can follow up on this.
75164
they dont need the actual card, marianne.  if they have the account number and expiration date, many businesses will accept phoned-in orders without actually checking to see a physical card.  i'm glad your company didn't process that huge transaction.\n\nthese ^ guys are right... you're a victim of credit card fraud.  call ALL your creditors immediately, as well as the police, to CYA.  if they have one of your numbers, they could have gotten more,  especially if you order things online.
409472
Have a look at Yahoo Greetings, I've never had problems with cards sent/received from them.\n\nIf you want to check other websites, download McAfee's Site Advisor - when you do a Google/Yahoo search, it tells you what sites are safe//unsafe.  A real "must" for internet users (I use it all the time for guidance) http://www.siteadvisor.com/
18331
I believe you can only add it to a card if the issuing bank or company offers that option. You can't just "create" a new version of your card... that would actually be fraud.
124293
Actually, cancelling them may lower your score. Here's why.\n\nLets say you have 15 cards, and the average limit is $3000.  that gives you $45,000 in available credit.  Now lets assume you have $6,000 in debt on these cards.  The differance between these numbers is $39,000 (your available credit).\nYour debt to credit ratio is 14%. Very nice!\n\nNow lets cancel those 8 cards.  That removes $24,000 in available credit.\n\nNow you have 7 cards, $21,000 in available credit, but you still have that $6000 in debt.  Your new debt to credit ratio is now 28%.  By their standards it's not bad, but not as good as 14%, so they may lower your credit score.\n\nThat said....(that was your question?)...if it was me I'd go ahead and cancel them.  15 cards is crazy!  By wisely using those other 8 cards, you will easily restore your store within a few months.  If you have no plans to buy a car orhome soon, that would be my recommendation,.\n\nGo to www.myfido.com and read up on how credit scores are calculated.  Once you have educated yourself, you can examine your own situation and see if it's worth it.
81128
Absolutely close or cancel any un needed cards. If not for security reasons alone. Banks look at how much credit you have"open" and available to you. They compare this to your income to get a ratio. A debt to Load ratio. So if you have 5 cards out. that's realistically 3 too many.You need to keep a "balance" between having some credit cards and too much debt. You need a few cards open and active to satisfy the companies that you are worthy of more credit but not too much to have them think that their acct is the one that you will default on.
486187
I work for a major consumer financing corporation and trust me when I say that this is a common and frustrating concern from a lot of consumers. Most companies have 'opt out' policies where you can request no calls, mailings, or emails outside of those you agreed to in your cardmember agreements. I'd advise calling the company and telling then you want to have ALL calls, including those from any affiliates and the company itself, ceased immediately. \n\nHowever, if you are on any 'existing' marketing lists you may still receive some residual calls until new lists are ran. Hope this helps.\n\nOnequesti0n
629154
You can close the newest ones without harm to your credit.  And you can close any that don't report to credit bureaus...some of the smaller local stores may not report, but big places like Sears surely do.  Just keep the oldest one or two that report open at least.  \n\nIn general, having a bunch of store cards isn't going to be a big plus for you, but one aspect of your credit score has to do with how long you've had credit open, so if you have a couple of long-standing relationships with one or two stores, it might pay to keep those open.\n\nOf course, there's never a penalty for cutting up the cards and not using them.  Just don't close the accounts officially.  (I have a JCPenney account that I've had for decades, but I don't know if I even have a card for it anymore)
556731
they have a free trial, if you want to cancel, you cant do it online you have to call an 800 number and speak to a rep. why you wish to cancel, i wasnt happy with the selection, they do'nt have much to choose from and the ones i wanted to view had a "long wait" so i never got to view them the whole month i was with them, the shipping takes about 4-5 days to get to you too.\nhope this helps you
339369
When travelling incase you lose one, you can cancel it without having to worry about having no money.\n\nAlso CC companies are always giving 6 mth interest free on cards so people keep applying for these
496401
I recently closed one and the person who was dealing with my account told me specifically that it will affect my credit score negatively (Visa).  I did my own search and most people seem to think that it actually affects your credit score in a positive way.  Personally, I closed the card anyway because I believe it makes you look more responsible  when you don't have half a dozen cards with balances on each.
535831
I buy separate cards for everyone I send them out too.  If folks throw them away, oh well.  But at least I know I didn't send out the same one to everyone on my list
493702
unless the banks have notified you that the card has been cancelled - cos you missed payments, went over etc., the cards are still active. however, remember that it is so easy to fill them to the hilt again. it starts off as oh its just this one thing, its just this emergency, il pay it back on pay day, then its oh and this thing and that thing, oh ill pay a bit now and the rest later and before you know it, your maxed out and taking out a bigger loan.\n\njust be cautious is all x
169101
it depends if you have older cards that show a good history. it won't hurt your credit to cancel but it might more sense to keep it if you are not paying an annual fee so that you start to develop a history. the longer you have a good credit history - the lower rates you pay.
537970
If you paid by credit card, contact the credit card complany and cancel payment on the item.  That's the reason we use credit cards!  Once they realize they aren't getting their $$ I bet they start listening to you.\n\nSorry about your bad experience.
505353
You will still get bills from the CC company until the balance is paid off.  It does not matter if you cancel the card before it registered as a charge.  \n\nSame is true if you wrote a check.  The bank will keep the account open for several days to confirm there are no outstanding checks.  If the check comes in, they will ask you to pay that amount and possibility list it as a bounced check.