Cancelling Cards

Flamingo80

I have been playing the credit card tart game and have 2 cleared cards that I haven't closed. How do I go about it? If I write to them do I have to return the cards or just destroy them?

Also, where do I get addresses from? I haven't kept any of the paperwork.

Thanks

lisyloo

I call them on the phone (google for the phone numbers).
Then I cut up the card into small pieces.
I check my credit report now and again to make sure it's done.

Flamingo80

lisyloo wrote: »

I call them on the phone (google for the phone numbers).
Then I cut up the card into small pieces.
I check my credit report now and again to make sure it's done.

Do you pay for your credit report? I did the free trial with experian a few years ago so would now need to pay if I did it?

Flamingo80

Also, I have space on my current card for more balance transfers at 0% Can I transfer balance from my husband's card or not as it's different name.

Can't transfer to current account else would have done it that way. He's been late on a couple of payments lately so probably couldn't get a new card.

YorkshireBoy

Flamingo80 wrote: »

I did the free trial with experian a few years ago so would now need to pay if I did it?

Yes, but it's only £2 for a statutory report.

Can I transfer balance from my husband's card or not as it's different name.

Yes, but to avoid any awkward questions probably best to action it online.

Flamingo80

YorkshireBoy wrote: »

Yes, but to avoid any awkward questions probably best to action it online.

Wouldn't they still ring me up and ask? Surely these things are monitored by real people?

YorkshireBoy

Flamingo80 wrote: »

Wouldn't they still ring me up and ask?

Not in my experience.

Surely these things are monitored by real people?

I don't know, but I wouldn't think every single BT request is investigated by "real people".

Flamingo80

YorkshireBoy wrote: »

Not in my experience.I don't know, but I wouldn't think every single BT request is investigated by "real people".

Thanks Will give it a go.

lisyloo

Statutory credit reports are only £2 a ago, which isn't the end of world if you're only doing it every 6 months.
You can only do the free trial once.
Don't get it too soon as it can take a few months to get updated with a cancellation.
The lenders only update once a month, not in real time.

YorkshireBoy

lisyloo wrote: »

Don't get it too soon as it can take a few months to get updated with a cancellation.

The statutory reports from Experian and Equifax are valid for queries, including settled status updates, on existing accounts for 90 days.

lisyloo

The statutory reports from Experian and Equifax are valid for queries, including settled status updates, on existing accounts for 90 days.

I never seem to get much luck with them.
When I call them they tell me they can only see what's on the original report.
It seems to vary what you are told.