Hold on Credit Card Because of Returned Check Over A Year Ago?!?!?
I have a Wal-Mart Discover card that I use for gas and minor purchases that I pay off every single month. Over a year ago, I paid my bill online and by the time the check was processed, I didn’t have enough money in my checking account so my check was returned. I paid the fee right away along with whatever my balance was and continued using my card. Suddenly, at the end of November, I tried to use my card and it got declined. I thought this was so weird because I called the customer service line and was told that I had PLENTY of available credit and my next bill isn’t due for 3 weeks. The card still didn’t work and kept getting declined. I called the Wal-Mart customer service line literally 10 times and was put on hold for about 20 minutes each time… (a COMPLETE waste of cell phone minutes). They kept telling me that they reset my account and that my card should work and didn’t know what was causing the issue. Finally, after the 10th call, and being transferred through about 5 departments, a lady told me that they are putting a hold for 1 billing cycle on anyone’s account who has had a returned check. THIS WAS OVER A YEAR AGO! I was NEVER notified that a hold was going to be placed on my account and this is just a wonderful little gift right in the middle of the holiday season! Is this reasonable? I have NEVER heard of this before and I think it’s ridiculous… Any thoughts?
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One comment
bdancer222 on November 6, 2009 at 11:40 pm
It does seem rather strange, but many credit card companies are reviewing existing accounts. This could be one of a list of reasons for accounts to be looked at more closely. They may lower your limit, raise your interest rate, or even close the account.
I suggest you give up on calling and sent a letter asking why. It would seem to me that if you immediately took care of the bounced check, there shouldn’t be a problem.