so i received a check for a credit on a card i have. however, i havent used the card so i have a zero balance. in the past few months i have been receiving statements that say i have a credit for like 300 dollars. finally last month, they issued me a check "for the refund of credit on my account". i have called the automated line and it said there was a payment made on my account for that amount in may. so im guessing that a payment was made to another account but by accident was posted to mine. i think its weird that after like 5 months so one would have realized this. and i would also think that before they cut me a check that someone would have double checked it for accuracy. i havent called to talk to a live person yet.. i have been thinking about just cashing it. i could really use some new eye glasses and im low on money..
what would u do? do you think they would be able to come after me for the money if they realized they made a mistake?
2007-10-05 05:27:14 · 3 answers · asked by ruggergal3 2 in Business & Finance ➔ Credit
I think you should have contacted your credit card company when that $300 credit first appeared on your statement. It was an error. Someone has been fighting with that credit card company over that misapplied $300 payment and you just sat on it.
Call them now. Don't cash the check. Eventually they will find the error and come after you for the money.
2007-10-05 06:09:03 · answer #1 · answered by bdancer222 7 · 1⤊ 0⤋
I would definately not cash the check, because they will find out! Try looking at your past few statements and find out when the $300 credit applied to your account, and a possibly reason why. Then, I would follow up with a call to your credit card company, and ask them if they can explain why your account had a $300 credit because you don't recall any transactions that would have given this credit.
2007-10-05 15:11:46 · answer #2 · answered by Jennifer M 3 · 0⤊ 0⤋
Keep it. Seriously. If you need it. Credit card companies are evil and exploitive any way. They profit off of killing people with fees.
They will be forced to pay the other person if they misapplied a payment, but it is their mistake so cash it and keep it.
2007-10-05 20:07:07 · answer #3 · answered by advait0 1 · 1⤊ 0⤋