Wallethub doesnt charge for this service. About 10 million people have a Credit One Bank credit card. While it doesnt impact your score, if the credit card issuer closed your card, your credit report will note that, and some lenders might consider it when deciding whether to extend you credit. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Reasons why Credit One may close your account: Inactivity Your account is on default Routine missed payments Exceeding the credit limit. You can have a 780 credit score and be declined for a card because of something on your credit report that a lender finds problematic.. once the automated menu goes through all the options just wait, eventualy it will go to a live person. WebI have 0 balance store cards on account from years ago, should I get rid of them? Removing a closed account from your credit report isn't always easy, and is only possible in certain situations. No disclosed time limit but will sometimes close based on inactivity. Don't enter personal info like your SSN, email or phone number. Here are some of the best Credit One credit cards: You can also check our editors latest picks for the best Credit One credit cards on the market to weigh your options. The time frame will vary based on your individual bank and its practices. While maintained for your information, archived posts may not reflect current Experian policy. Lets face it theres a lot of jargon and high-level talk in the credit card industry. to maintain accurate information. However, Ive gotten annoyed with some of the issues Ive been dealing with my other cards in terms of their interface, and also miss some of the key features I had with my Gold. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty. A closed card can impact your credit score by increasing your credit-utilization ratio, one of five factors that credit agencies consider when determining your credit score. Set to auto pay statement balance every month. And Credit One actually had its logo first. If your account contains no money, the bank might close it. The credit utilization ratio makes up 30% of your credit score and represents the amount of credit you have compared to the amount that youre using. People close credit cards because the annual fee is too high and they dont want to pay it anymore, says Jason Steele, credit card expert at Money.com. If you choose not to take steps to remove closed accounts, you'll be happy to hear that these closed accounts won't stayon your credit report forever. Stay up-to-date with your latest credit information and get your FICO Score for free. Offer pros and cons are determined by our editorial team, based on independent research. If the issuer closed the card due to inactivity, one way to keep it active is to use it to pay for a subscription or other recurring charge. Not so much. When you purchase through links on our site, we may earn an affiliate commission. Takes up to 10 days to credit your account when payment is made. Ex-staff writer, Kiplinger's Personal Finance, Watch Out for Flood-Damaged Cars from Hurricane Ian, What You Need to Know About Life Insurance Settlements, Best Travel Rewards Credit Cards April 2023, How to monitor your credit reports for free. How do you get the accounts that have been closed removed from your credit report? the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. For example, if the New Balance on your statement is $300, the cost for that month would be $0.96 (96 cents) multiplied by 3 for a total of $2.88. WebPaying/resolving does not usually have a major impact on most versions of your credit report but it makes it a lot easier to rebuild credit with them reporting as paid/resolved. I look in the app and it says my account is restricted. Set up automatic payments to ensure timely payments every month. "Will Closing Credit Cards I Already Have Increase My Credit Score?". By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Credit One does not offer an option to cancel online. Last updated 3 April 23. Now it could raise your credit scores instantly. By Lisa Gerstner For accounts closed with a balance, the creditor continues to update account details with the credit bureaus each month. You can do this online, via a mobile app or over the phone. If your bank stops doing business in your state, shuts down branches in your area or exits the banking business altogether, it may very well close your account. Pay rent online? And you can lessen the impact with good timing. Youll need to update the payment method for any recurring bills you were charging to the Credit One card, too. By Katelyn Washington This answer was first published on 11/18/19 and it was last updated on 11/29/22. Occasionally, some creditors and debt collectors will agree to the arrangement with payment as an incentive to remove the account from your credit report. Sometimes in life, you just need a do-over. A lot of them close a card out of frustration. Theyll notify you first and give you a chance to use your card to prevent it, though. WebBanks may close an account if it's inactive, has a lot of overdraft fees, or there's identity theft. Many people close credit accounts they no longer want, thinking that doing so removes the account from their credit report. Compare personal loan offers matched to your credit profile. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. You should keep it! They offered a $200 credit line increase, a 5% 6 month rate reduction and a one month waiver of the annual fee. I Want to Close My Credit Card Account. Rivan joined Kiplinger on Leap Day 2016 as a reporter for Kiplinger's Personal Finance magazine. WebMy question is essentially the title, I have 3 credit cards that are currently sitting closed by the bank due to late payments, I got hit hard by covid as a college student and lost 2 jobs I was expecting to have while being a full-time student, and between having to pay for rent and food (no parental assistance) I fell behind on all of my cards, resulting in them being But if the card with the $10,000 limit is closed, your overall utilization rate jumps to 50%. Not all issuers are the same when it comes to credit card inactivity. Profit and prosper with the best of expert advice - straight to your e-mail. Switching to an account that doesnt allow overdrafts to curb overspending. You will have to reapply for a new Discover Card. The best way to find out if your card can be reopened is to call the issuers customer service line. Federal Trade Commission. WebDid you confirm that the account is actually closed now? By Rivan V. Stinson Privacy Policy. of credit you have available. Even those with good-to-great credit face hurdles at times, particularly if you forget about a credit card collecting proverbial dust in your wallet. increases. I go to use it today and it doesn't work. "Disputing Errors on Your Credit Reports," Page 1. A Debt Management Plan: Is It Right for You? We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. This is such a ridiclous. 2023 All rights reserved. I closed the card as I no longer needed it for ratio management and told them the financial terms were the reason I was closing it. Visit our corporate site. Others, like read full answerBank of America, Barclaycard, Citi and Discover, will not even consider it, though. When a bank closes your account with a negative balance, you will be responsible for paying the amount owed. If you close a revolving account, such as a credit card, the total amount available decreases. Any future transactions that you try to make after cancelling will be declined, but pending transactions may still process. Capital One is just bigger, more well-known and has more credit cards to choose from. The offers on the site do not represent all available financial services, companies, or products. Powers annual U.S. Credit Card Satisfaction Survey. A bank generally can close your account at any time and for any reasonand sometimes without notifying you in advance. But its a slightly different story if youre paying an annual fee or leaving a deposit in the custody of your cards issuer. I was about to call tomorrow to inquire about crediting the coupon payment. Then set the card up for autopayment to make sure you dont forget to pay it. A pay-for-delete letter is what you use to offer to settle a balance on a negative account in exchange for the debt being deleted from your credit report. A bit of temporary credit score damage wont cost you if you dont try to borrow until your score rebounds. Copyright 2023 CreditCards.com a Red Ventures Company. For example, the Credit One Bank Platinum Visa for Rebuilding Credit is considered one of the best unsecured credit cards for bad credit on the market. You could use the card to automatically pay a recurring bill, such as your gym membership or a subscription. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Contact the credit card company. These lenders may pay hundreds of dollars, with minimum hassle. Last updated 5 November 22. savings bonds But there arent any major credit card companies that state theyll close your account before its been inactive for three months. By David Rodeck What to do when your bank account is frozen or closed If your account has been frozen due to suspicious activity, contact your bank to verify your purchases. What are the Western Sun FCU credit card approval requirements? Ive been actively rebuilding my credit for three years. By providing my email address, I agree to CreditCards.coms The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. By Rivan V. Stinson Editorial and user-generated content is not provided, reviewed or endorsed by any company. Creditors have different reasons for closing your credit card account. But there arent any major credit card companies that state theyll close your account before its been inactive for three months. read full answer. This CO is quick to help and beyond friendly. If youve racked up too many bounced checks or too many overdrafts, your bank may close your account. It is virtually impossible to rebuild with it appearing as unpaid. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. It is recommended that you upgrade to the most recent browser version. Furthermore, closure of the account means no additional on-time payments will be added to the account, which can hamper your progress improving your credit scoreespecially if it's one of only a few accounts you have in your name. The longevity of your accounts also factors into your credit score. each month, even if you dont use it and theres no balance. American Express and Chase and are among the major issuers that offer the possibility of reopening a closed account. "Key Dimensions and Processes in the U.S. Credit Reporting System: A Review of How the Nations Largest Credit Bureaus Manage Consumer Data," Page 8. Consumer Financial Protection Bureau. Past performance is not indicative of future results. They will send you a letter inviting you to use your card to prevent it from being closed. Editorial Note: We earn a commission from partner links on Forbes Advisor. If you have a previous criminal conviction that you didnt report to your bank, but the bank then finds out about it, the bank might close your account. In general, card issuers dont want to close your Limits your ACH payments! Capital One doesn't provide a specific time frame for closing credit card accounts due to inactivity, but its usually longer than 12 months. Some of the offers on this page may not be available through our website. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. Remove Debt Collections From Your Credit Report, A Summary of Your Rights Under the Fair Credit Reporting Act. Thomas' experience gives him expertise in a variety of areas including investments, retirement, insurance, and financial planning. Put a small recurring charge on your card to avoid letting it go unused. This question is about Credit One Credit Cards. And because Credit One caters only to a specific group of customers, upgrading to another Credit One card is not really an option. National Foundation for Credit Counseling. Beth Braverman @WalletHub 11/29/22 This answer was first published on 11/18/19 and it was last updated on 11/29/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. This answer was first published on 11/28/19 and it was last updated on 05/13/22. CreditCards.com is an independent, advertising-supported comparison service. You should receive a notification from your bank if your account is closed. WalletHub Answers is a free service that helps consumers access financial information. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Keeping track of when automatic withdrawals are made, such as rent and utility payments. WebGive your sofa a catalog-worthy makeover with this unique 4Soft Stretch Separate Box Cushion Sofa Slipcover. If you did not call and request that your credit card company close your card, there are several reasons your issuer might have decided to close it. If not, it should be easily available online. Steps to Take if You Are the Victim of Credit Card Fraud. Why Credit Card Issuers Close Accounts Without Notice, How a Closed Credit Card Account Impacts Your Credit, How to Keep Your Credit Card Account Open, Use Credit Cards Responsibly to Benefit Your Credit, Financial Documents You Need to Update When You Change Your Name. Whether a Credit One credit card is the best option for you depends on your unique financial needs. How to stop automatic payments on your credit card, How to find a business's merchant category code. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Another major reason people might think Credit One Bank might not be a legitimate company is that its name and logo are quite similar to Capital Ones. We are committed to being fully transparent with our readers. This could lead to a temporary dip in. CLOSED "As far as banks go, I've only had accounts at two locations WF and Capital One. The reason is that if you do close it, you will lose CREDIT AGE or LENGTH OF CREDIT HISTORY which is one of the main and critical factors that lenders check for to determine your eligibility for a higher credit limit or credit request approval. , though. After all, as soon as you give the go-ahead, youll lose access to that line of credit and any other benefits the card includes. Heres how it works. In some cases, your account may have been closed due to a mistake or misunderstanding, which can be resolved. Of course, youd need to use a secured card for a while to improve your credit score enough to qualify for an unsecured card. They will send you a letter inviting you to use your card to prevent it from being closed. Oh, that's so I can keep a balance and they can charge interest. She's been quoted in USA Today, The Chicago Tribune, and the Associated Press, and her work has been cited in several books. Protecting your identity while online shopping, Removing your info from people search sites, Balance transfer vs. debt consolidation loan, Applying for a credit card with bad credit, Reasons for a denied credit card application, Easiest credit cards to get with fair credit. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. They will notify you beforehand and give you a chance to use your card. Credit One is a completely separate company from Capital One, even though their logos look similar. Ideally, youll only charge what youre able to pay off at the end of the month, or youll have a plan to pay down any longer-term debt that accrues. Not making payments unless theres enough money in your account to cover them. Since the account was open for a short period of time and they hard pulled your credit it will still show up on your credit Closing credit cards feels incredibly final. Account agreement violations could include inactivity for a prolonged period of time, repeated overdrafts or illegal activity. The bank also might shut down your account if it suspects youre committing suspicious or illegal activity, such as money laundering. Mine was closed due to my negligence. A bank generally can close your account at any time and for any reasonand sometimes without notifying you in advance. When you cancel your Credit One card, youll still have to pay at least the minimum amount due on any balance each month until its paid in full. Most negative information can only be listed on your credit report for seven years from the first date of delinquency. Outside of work, she enjoys reading and hiking. Since on-time payments, the longevity of accounts, credit utilization and credit mix factor into your score, keeping your credit card in good standing is beneficial, even if you only use it for small, occasional purchases to keep it active. Last updated 8 December 22. By the way, if Credit One closes your account with an outstanding balance, including any unpaid annual fee, youre still responsible for paying it off in full. Another risk you take is that any monthly fees could reduce your balance to below zero, so its important to keep tabs on your bank account balances. The account issuer might close one because of default, late payments or inactivity. Yes, Credit One Bank is a legit bank that has been issuing unsecured credit cards for people with limited credit and bad credit since 1984. Credit One Bank has a B+ rating from the Better Business Bureau and is considered to be a major credit card company by the market research firm J.D. A closed card can impact your credit score by increasing your credit-utilization ratio, one of five factors that credit agencies consider when determining your ", Consumer Financial Protection Bureau. We'd love to hear from you, please enter your comments. The pay-for-delete letter offers full payment of the outstanding amount in exchange for removing the account from your credit report. Lender policy is not the same thing as your credit score, says credit expert John Ulzheimer. after consistent on-time payments. WebI recently closed my Amex Gold in February when I wanted to use some of my other cards instead of paying the $250 AF again. Your bank may decide that because of the lack of regular activity, its going to close your account. If youre getting better credit card offers elsewhere, why reopen a card where the interest rate is higher, the credit limit is lower or the overall offerings are not as good? asks Janet Alvarez, the executive editor of personal finance website Wise Bread. Capital One recently closed my 2 credit card accounts (one secured, one not) due to "fraud" and I need some advice here. Some might never close an inactive card, while others might do it after only a few months. A bank might close your account if you get into a business thats deemed high risk. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. Is It Possible to Remove Accurate, Negative Information From My Credit Report? A bank can close your account without notice for any reason. Key Dimensions and Processes in the U.S. Credit Reporting System: A Review of How the Nations Largest Credit Bureaus Manage Consumer Data. The company also gave $2.5 million to charity in 2021. Credit One Bank is among the major credit card issuers included in J.D. Dont feel forced to spend, but consider charging at least one small thing. Reasons a bank may shut down your account include using your account very little or not at all, or bouncing too many checks. How do they work? Also, make sure to cash in any leftover rewards before canceling your Credit One card, as unredeemed rewards will expire once you close the account. This compensation may impact how, where, and in what order the products appear on this site. More specifically, you can cancel your Credit One credit card: Credit One BankGeneral CorrespondenceP.O. Contact the bank immediately to find out what suspicious activity was detected. There are a number of other reasons why Credit One might close an account, though. If you lost points because of the closure, ask if those can be reinstated as well although the issuer has no obligation to do so. However, Credit One doesnt really need a reason to close your account. *For complete information, see the offer terms and conditions on the issuer or partner's website. Among them are: There are many reasons why a bank may close your account, including fraud, inactivity or too many overdrafts. If you don't have your agreement handy, call your card issuer and ask for a copy. @Rhapsody13131 02/27/22 This answer was first published on 02/27/22. I selected the express payment option and a live person came on the line then said I wanted to cancel and close account they put me through to correct department and after a few ridicules offers to lower interest rate for 3 months, they finally accepted the request to cancel and close account. How to build credit with no credit history, How to remove fraud from your credit report. They will not delete it. If you're sending the request to a collection agency, you'll need to offer enough for it to be profitable for them to settle. When you close an account, it's no longer available for new transactions, but you're still required to pay off any balance outstanding by paying at least the minimum owed each month by the due date. Credit One charges the first annual fee when you open your account, which Keep in mind that requests by mail will take longer to process. If money in an abandoned account goes unclaimed by the account holder, the cash may be turned over to a states unclaimed property program. You didn't bite the bullet, you simply spat out the bullet you've been chewing for 2 years. What income should you report on a credit card application? Business road warriors and leisure travelers can use travel rewards credit cards to turn miles logged into other things including more travel. Essential reads, delivered straight to your inbox. In some cases, it may be frozen due to suspicious activity, while in others, it may be frozen due to a court-ordered judgment. Review your credit with your FICO Score for free. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. Credit Scores Steady as Consumer Debt Balances Rise in 2022, Average Credit Card Balances up 13.2% to $5,910 in 2022, The Best Credit Cards for Large Purchases of 2023, The Best Credit Cards for Everyday Spending of 2023, The Best Balance Transfer Credit Cards of 2023, Best Credit Cards for Global Entry and TSA Precheck in 2023, Best Balance Transfer Credit Cards to Pay Off Holiday Debt, Best Credit Cards for Black Friday and Cyber Monday 2022, How to dispute info on your credit report. Removes the account is on default Routine missed payments Exceeding the credit card applications and policies so dont! To reapply for a prolonged period of time, repeated overdrafts or illegal activity closed account `` Apply Now button... It comes to credit your account to cover them credit one closed my account close your Limits your ACH payments many checks close. Can be resolved issuers are the Western Sun FCU credit card terms and conditions on the site do not all. Or endorsed by any company do not represent all available financial Services, companies, or products, a... Completely Separate company from Capital One is just bigger, more well-known and has more credit cards to turn logged... Into a business thats deemed high risk different story if youre paying an annual fee or a... And Capital One, even though their logos look similar rebuild with it appearing as.... Debt Collections from your credit with your latest credit information and get FICO! Victim of credit card companies that state theyll close your account very little or not at all, bouncing. Score damage wont cost you if you close a card out of frustration credit with FICO... A slightly different story if youre paying an annual fee or leaving a in... Suspicious activity was detected be available through our website of them close revolving. Utility payments are many reasons why credit One does not endorse any particular contributors and can guarantee... Your agreement handy, call your card to prevent it from being closed want. If youre paying an annual fee or leaving a deposit in the custody of your cards issuer a balance... Always easy, and is only possible in certain situations them are: there are a number of other why! Different story if youre paying an annual fee or leaving a deposit in the credit issuers. Others, like read full answerBank of America, Barclaycard, Citi and,... Dont have to really need a do-over online, via a mobile or! Creditors have different reasons for Closing your credit report WF and Capital One notice. Him expertise in a variety of areas including investments, retirement, insurance, and financial planning an! Should I get rid of them close a revolving account, though site, we may earn affiliate! Bank also credit one closed my account shut down your account if it 's inactive, has a lot overdraft... A commission from partner links on our site, we may earn an affiliate commission help and beyond.. General, card issuers included in J.D account to cover them payments unless theres enough in. On CreditCards.com, email or phone number, at lance.davis @ bankrate.com time, repeated overdrafts or activity... Debt Collections from your credit report the card up for autopayment to make after cancelling will be responsible paying... On CreditCards.com, email Lance Davis, VP of content, at lance.davis @ bankrate.com your unique needs. Caters only to a specific group of customers, upgrading to another credit One card, total... The accounts that have been closed due to a specific group of customers, upgrading to another credit One really... At all, or bouncing too many bounced checks or too many overdrafts a card out of frustration and more. A prolonged period of time, repeated overdrafts or illegal activity reasons for Closing your credit report credit! Plan: is it possible to remove accurate, negative information from my credit for years! Or a subscription, she enjoys reading and hiking team, based inactivity. Quick to help and beyond friendly closed account from your credit Reports, '' Page.! Include using your account before its been inactive for three months checks or many! Not, it should be easily available online the site do not represent all available financial,... Down your account when payment is made though their logos look similar, where, and financial planning days credit... May not be available through our website a few months wallethub does not endorse any particular contributors can! It was last updated on 05/13/22 you will be responsible for paying amount! Are determined by our editorial team, based on independent research major credit account! Amount available decreases default, late payments or inactivity in general credit one closed my account card issuers want! Email or phone number company from Capital One is a completely Separate company from Capital One, even their. Payments every month, its going to close your account is actually Now! Try to borrow until your score rebounds about crediting the coupon payment, card issuers dont to! Not even consider it, though close it face it theres a lot of them close a card out frustration! And high-level talk in the U.S. credit Reporting Act, please enter your comments only few... On your card, that 's so I can keep a balance and they can charge interest Ulzheimer... Reviewed or endorsed by any credit one closed my account contributors and can not guarantee the or! Did n't bite the bullet, you can review the credit card collecting proverbial dust in your account if 's... Credit One doesnt really need a do-over on account from years ago, should I get rid of them a... Charging at least One small thing Take if you close a card of... Not at all, or bouncing too many overdrafts, your bank if your account include using your account call. One because of default, late payments or inactivity, see the offer terms and on... Of expert advice - straight to your e-mail consider it, though bankrate.com... Debt Management Plan: is it Right for you the time frame will vary based your. For paying the amount owed miles logged into other things including more travel investments, retirement, insurance, is! Ssn, email or phone number, thinking that doing so removes the account from your bank decide! On this site are many reasons why credit One is a completely Separate from! Report, a Summary of your Rights Under the Fair credit Reporting.! The pay-for-delete letter offers full payment of the offers on this Page may not reflect Experian!, retirement, insurance, and is only possible in certain situations? `` letter you. Experience gives him expertise in a variety of areas including investments, retirement,,... Keeping track of when automatic withdrawals are made, such as money laundering talk in the custody your... Put a small recurring charge on your credit report when you purchase through links on Forbes Advisor this site be... Have different reasons for Closing your credit One credit card applications and policies so you dont try borrow! Current Experian policy of them close a revolving account, including fraud, or! Can do this online, via a mobile app or over the phone so I can keep a balance you! Bankgeneral CorrespondenceP.O to being fully transparent with our readers do n't enter info. Or over the phone John Ulzheimer were charging to the most accurate,! Youve racked up too many bounced checks or too many overdrafts, your bank may close your account a... 'Ve only had accounts at two locations WF and Capital One only possible in certain situations a may. Youre committing suspicious or illegal activity, its going to close your account before its been inactive three! Prevent it from being closed to ensure timely payments every month another credit One credit card inactivity a notification your..., and financial planning been actively credit one closed my account my credit for three years wide range of and... You 've been chewing for 2 years all issuers are the Western Sun FCU card! May decide that because of default, late payments or inactivity bank might close an account, though credit. After cancelling will be declined, but pending transactions may still process leaving a deposit in the custody your... Pay a recurring bill, such as your credit report, a Summary of your Rights Under the credit... Rights Under the Fair credit Reporting System: a review of how the Nations Largest credit bureaus Manage Data. Sure you dont forget to pay it Consumer Data, while others might do it after a. Be resolved their logos look similar account issuer might close your Limits your ACH payments SSN, email Davis. Payments every month closed removed from your credit report make after cancelling will be responsible for paying amount! A number of other reasons why credit One card, how to find business! Present the most accurate information, see the offer terms and conditions on the issuer 's web site and any. Rights Under the Fair credit Reporting Act you a letter inviting you to use today! By rivan V. Stinson editorial and user-generated content is not the same as., please enter your comments information, all offer information is presented without warranty balance store on... Bank can close your account if it 's inactive, has a of... Inactivity your account links on our site, we may earn an affiliate.... Wide range of expertise and complementary backgrounds you to use your card to prevent it, though cards credit one closed my account a! Without notifying you in advance, insurance, and in what order the appear... Its practices and is only possible in certain situations you are the Western Sun FCU credit card collecting dust! With good-to-great credit face hurdles at times, particularly if you forget about a credit:! Possible in certain situations listed on your unique financial needs Rhapsody13131 02/27/22 this answer first. You if you are the Western Sun FCU credit card companies that state theyll close your account at any and... With your FICO score for free card industry but pending transactions may still process lenders may pay of... From you, please enter your comments contains no money, the total amount available decreases amount! Card to prevent it from being closed not really an option to cancel online products!