Rise cc and credit report

vintagegirl

I applied for a rise credit card and got one through but changed my mind when i realised they charge £3.50 a month just for having it, even if it didnt have a balance.

I didn't call anyone to activate and was just going to destroy it but now they have started reporting to my credit report.
What do i do> x

leicsmarkyr

Call them to cancel the account and pay the balance off. You agreed to the T&C when applying for the card.

vintagegirl

thanks for the reply. it doesnt have a balance, ive never used it and dont intend to, but how can they start reporting to a CRA when ive never activated it

stclair

Just cancel the card then it show as settled on your credit report within a few weeks.

vintagegirl

stclair wrote: »

Just cancel the card then it show as settled on your credit report within a few weeks.

thanks ill do that.

Curr946

when you agreed tot he account, you agree of the sharing of your data. Regardless of you activating the card, you agreed to have it sent.

izools

vintagegirl wrote: »

thanks for the reply. it doesnt have a balance, ive never used it and dont intend to, but how can they start reporting to a CRA when ive never activated it

Activation is for the card itself, not the account. The account was opened and active the second they approved your application, they don't wait until you activate your card...