Just tried to log in to my oldest credit card. Definitely the right page. definitely the right log in info. But no matter how I try, it redirects to a “recovery” page that asks for card number and SS. This feels really wrong, but I do need to log in at some point.
Anyone know about this and/or had a similar experience? Should I just wait a few days to see if it corrects itself? I don’t have the app on my phone but wondering if that might work better.
Thanks for any intel.
I would not enter those things online. Call the number of the back of the card and confirm there’s nothing funny going on.
I’m eventually going to have to face that, but I know that their phone customer service is abysmal to non-existent.
I’d definitely suspect their site or app has been hacked. I’d not enter that info online either.
Defintely don’t input that info on that page
I’m not planning to, but I keep reading the claim–on Reddit and elsewhere, that CC companies have to ask that info because of government bank fraud rules. Which doesn’t make sense to me.
Call them. It’s the only way to find out for sure what’s going on.
Gave in and called. Ugh. Forty minutes of a nice guy with no clue. At the end they decided they couldn’t actually help me because the card was initially authorized to my H, 40 years ago, even though both names are on it.
H hates those calls and I think there’s a fifty/fifty chance we just cancel the card.
If it’s your oldest card, do be aware that cancelling will impact your credit score. Depending on the age of your next oldest card, the change can be significant.
Also, you can just have your husband call and authorize you to talk on his behalf.
I know I “can" but it’s hard to convey how much he hates that process. Partly because hearing impaired and partly just ornery.
Not concerned with credit score, but will keep in mind.
My H goes on phone and just says I authorize you to talk with my wife.
I have just said that I am “husband’s name”. I’m sure they knew I was lying but they didn’t call me out and I knew all the security answers.
I always do the calling, and my H acts like it’s the most difficult thing in the world if he has to get on the phone to tell them that they can talk to me. Our H’s just might get along!
That’s my next move. I even asked today’s guy if I could just be him (basically joshing) and he very earnestly told me the call was being recorded. Next time I’ll start out as him.
Yes, cancel the card. Not worth the risk.
Can anyone explain why canceling an old credit card affects your score? Why does it matter? Seems very odd to me.
It lowers your available credit, which negatively impacts the utilization ratio used in credit scoring.
If you aren’t planning on getting any loans in near future, it doesn’t really matter. We froze all our credit, which is not supposed to be great for credit but our credit scores remain in the 800s. We honestly don’t care as we don’t plan on getting any more loans in this life. We only got our mortgage in the 1980s and haven’t looked back since paying it off. I did briefly get a car loan, when I thought it helped taxes and decided it wasn’t worth the aggravation and didn’t really help anyway, so paid it all off.
In some states, insurance companies are allowed to use credit scores for setting insurance premiums.
We can thaw selectively if asked by any party (like when we apply for credit cards).
So cancelling a 40 year old card hits your score in these ways - total money, % of money being used, and oldest credit card. You can still have an outstanding credit score without a very old credit card. My daughters is always around 820 (mine is always lower than hers) and she is only 31 and I have credit cards older than her!
Last time I was in the bank to renew a CD (couldn’t do it online), the rep I got was a loan officer. She wanted me to take her card in case I needed a loan. I left the card there and told her I never plan on borrowing money again in my life.
I had this happen to me recently with my merril lynch/BofA online account. I suddenly needed to change the password and had to enter things I am not usually comfortable entering. I go online to this account often. It happened first to my daughter and then to me. It ended up being legit.