The owner of the credit card may not know that its data has been compromised. For example, after trying to pay on a duplicate site. And when the fraudsters try to write off money from it, he may not know about it because notifications are disabled. If the actions of the attackers are successful, the borrower will have to face a number of unnecessary problems.
Important: if you decide not to close an unclaimed credit card, continue to monitor the account. Do not delete the bank application, do not turn off notifications. Then you will be able to at least learn about the actions of the intruders in time and take the necessary measures to block the card, contact law enforcement agencies.
Obstacle to approval of new loan
Unclaimed credit cards should be closed if you are going to jiangxi mobile number database apply to the bank for a new loan and are worried about the current debt burden. It can really affect the decision. The thing is that when analyzing the client's solvency, the bank takes into account open credit lines. Moreover, within the limit, and not the actual funds spent. Therefore, even unused credit cards can be a reason for refusal.
Especially when it comes to large loans – car loans, mortgages, etc. It is important to remember that the client’s debt load is one of the most common reasons for refusal. By law, the bank is obliged to check the borrower and correctly assess the risks. Therefore, it will take into account open credit lines when making a decision. This does not mean that if you have a valid card, you will definitely be refused a loan. It is just that the credit load will need to be calculated taking into account its limit.
A common question: how to close a credit card if you haven't used it at all or for a long time? The easiest way is to contact the bank that issued it. The support service will give you instructions on how to terminate the agreement. Sometimes it is enough to initiate the process in the bank's mobile application. In some cases, you will need to go to the office and sign the documents.