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if they are not collecting on it leave it alone, don't go waking up a sleeping giant, in another year or so depending on your states SOL it will be beyond legal recourse, most credit cards are considered written contracts and have a SOL of 2 to 4 years depending on what state you live in

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Q: Credit card you have not paid on in three years?
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What will happen if you dont paid your credit card bills?

Your credit card company will report you to one of the three credit agencies, Experian credit bureau, Equifax credit bureau, and TransUnion credit bureau.


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Presuming it is a deductible expense, they are reportable when paid by the credit card, or any other method.


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A motorcycle that was paid for on a credit card can not be repossessed considering the credit card company paid the dealer. You must pay the card company back though or they can take you to court.


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United Health has contacted CCCS colection service in & the credit bueau for unpaid services of 2004. My wife paid the amount by credit card back in 2004. Our lawer tells us that there is a time limiit. is this true ?

He is correct in New York it is 6 years. If she paid it by credit card she should be able to get a copy of the statement showing she paid it. There is a time limit called the statute of limitations on collections, which is usually 7 years. However, if your wife paid the bill, this whole issue can be resolved by showing the credit card statement indicating payment. If you don't have the statement, contact the credit card company.


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Credit card bills affect the credit rating in that the late payments will show on the report and points will be counted against you. Once you have paid, make certain that the three credit reporting companies note that it has been paid; eventually the account will age and become a positive for you. This is since it will show available credit that you are not using.


How can you find a credit card for bad credit?

There are many pre-paid cards and secured credit card options for those that have poor credit.


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