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I had a very hard time canceling my mothers credit card after she had a debilitating stroke. She is 91. I was told I needed to send a POA, which I did. The first time they gave me a wrong address so I had to send the POA twice. Then they told me that a POA does not have authority to cancel an account. I was livid. After having been put through having to send the POA twice. They also told me that they needed to either have a signature or talk to the account holder, neither of which was possible. They then went as far as to say they needed a fingerprint.
Understand here that this is an account that never had a balance, was paid in full monthly and has not had a charge or balance in 9 months. I asked to talk to a supervisor who basically told me the same thing. I asked what if it was your mother. Her response was I gave you the choices.
I am not one to give up so I waited until the evening and called again knowing I would get someone else. I again explained who I was and that I had sent a power of attorney, that the card had no balance etc. To my great surprise the woman on the other end said I can cancel that for you and in about 30 seconds it was canceled.
The moral of this story is CALL CALL CALL at different times. You will always get different people. The bottom line is a POA, although a legal document, does not have to be honored. No organization is obligated to honor it. Most do, but you will always run into snags. It is not easy being a POA or executor but if you hold your ground and be persistent you will often succeed. Sometimes it is the stupidest things, like closing a meaningless credit card account that is not in use, that get you. You can transfer hundreds of thousands of dollars around but you can't close a no balance unused credit card account.
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∙ 10y ago
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Does it hurt your rating to cancel a paid off credit card?
No, you should always cancel them out if you have plans for them. It is viewed as a bad thing when there are more cards available to you. The more cards you have the more can can go into debt. There fore the less is better from a credit rating standpoint.
How do you opt out of credit cards?
One can opt out of credit cards after paying their bills completely by cutting up the card, right through the chip, or by called the card company to cancel their services.
Do you keep or cancel old credit cards with no balance on them Why?
Keep them. This will raise your credit score. Having an active account that you do not use is an excellent way to raise your credit score.
Where can someone find credit cards that have a zero interest rate?
There are several places where someone can go to find credit cards that have a zero interest rate. Websites such as, creditcards, and comparecards, both list credit cards that have a zero interest rate.
Where could someone get a business credit card?
The majority of all credit cards are made and accepted on a scale across the globe. All individual or corporate (business) credit cards generally come from the same providers of credit cards. With that respect, any business can acquire their set of business credit cards via a credit card provider by following the respective credit card provider's requirements and steps.
What do i do Someone stole mine my wife and children's cards?
I assume you refer to credit cards. CANCEL all credit cards immediately. Call the credit card company's number (on your monthly statement) and explain to the rep what's going on.)
What should you do if your credit cards are stolen?
call and cancel them ASAP
What is the best way to protect your credit cards if lost?
the best way to protect your credit cards if it is lost is to call up ur bankand tell them to cancel the card.
Does it hurt your rating to cancel a paid off credit card?
No, you should always cancel them out if you have plans for them. It is viewed as a bad thing when there are more cards available to you. The more cards you have the more can can go into debt. There fore the less is better from a credit rating standpoint.
How do you opt out of credit cards?
One can opt out of credit cards after paying their bills completely by cutting up the card, right through the chip, or by called the card company to cancel their services.
Should you cancel inactive credit cards?
Yep, other wise you might have to continue paying fees and having an unused credit card lowers your credit rating.
Do you keep or cancel old credit cards with no balance on them Why?
Keep them. This will raise your credit score. Having an active account that you do not use is an excellent way to raise your credit score.
What would police do after a stolen credit card report is filed?
Depends if you canceled the cards or not. If you didn't, they will usually go out and max out your cards first, then have you cancel them.
Where can someone find credit cards that have a zero interest rate?
There are several places where someone can go to find credit cards that have a zero interest rate. Websites such as, creditcards, and comparecards, both list credit cards that have a zero interest rate.
How can you cancel contracts with pre paid credit cards company?
According to my knowledge, prepaid credit cards do not have contracts. The reason being is the credit card is prepaid. This means that the card is already paid for, therefore there is no contract to be signed in the first place.
What do you do if your husband took your credit cards and will not give them back?
cancel them and get new ones. bash him lodge a police complaint
Can you charge on a credit card that is in your bankruptcy AFTER actually filing bankruptcy?
"Whether a debtor keeps credit cards after filing bankruptcy is up to the credit card company. If you are discharging a credit card they will cancel the card unless you reaffirm the debt. Even if you have a zero balance the credit card company might cancel the card."
