What should my bank do for me? Have you been in this position?

[Anonymous]

I had a save money credit card from my bank & i applied for a another card which was the cash back credit card & the lady thought that i wanted my save money which is my old/first card cancelled but I didn’t I wanted both cards , so my credit score probably dropped a bit. All the lady did was apologize & for miscommunication so I need to call her back when I have time to figure out what they will do for me since they can’t uncancel my old card & since I was but busy at the time when she called.

[Anonymous]

Ugh. It's her fault and if your credit score is affected make a big stir, don't let it happen to you for not doing anything wrong. ﾠ

[Oliverlogan263]

Here are some things I would suggest asking your bank to do for you since there was a miscommunication that led to your old credit card being cancelled unintentionally:

- Reopen/reissue the original save money credit card if possible. Explain that you still want both cards and didn't intend for the old one to be closed.

- Provide a credit limit increase on the remaining cash back card to make up for the lost credit line from the closed card. This will help minimize the credit score impact.

- Temporarily report your payments on the cash back card to credit bureaus as paid on time, even if a payment is late, to preserve your on-time payment history.

- Waive any fees associated with reopening the original card or applying for a credit limit increase on the remaining card.

- Provide a statement credit or refund of any annual fees paid on the card that was unintentionally closed.

- Check your credit reports and dispute any negative items that appeared as a result of the card closure to remove the impact.

- Consider product changing the cash back card to a different rewards card of equal or higher annual fee to make up for the inconvenience.

The key is to be polite but firm that it was their mistake and ask what tangible actions they can take to remedy the situation and make it whole. Offering credit limit increases, fee waivers, and goodwill credits are reasonable requests in this scenario. Hopefully they will work to fix it.

[OddBeMe]

Uhh yeah, but credit scores drop and rise everyday for meaningless things. And banks gonna screw up.

Never heard of a “save money” card. Some CCs have a cash back or gift card shit you can get. Usually from a bank you just get a debit card.

But also sign up for a savings account. It should be free, and then have it auto transfer $50 every month into it. You’ll thank me later.

[Anonymous]

Nothing, most places only let you keep one card on file

I have an AMEX card but another deal would get me a better one but I can't do anything whilst I have the first open

[Asker]

This one obviously said sorry so they don’t this is one place out of the ones the ones the only keep one so they should’ve done it right