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Why was a widow's charge card credit limit decreased when she paid off her deceased husband's charge card?

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2009-08-13 15:58:32
2009-08-13 15:58:32

It is unlikely that the limit was lowered because of the pay off. Many card issuers are pulling limits back regardless of payment history or credit history. My suggestion would be to contact the card company and ask for an explanation of the reduction.

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Only if she is also on the account. If not, then absolutely not. You can get yourself in a heap of trouble by using the credit card of a deceased person. You must notify the credit card company of the death and close that account.


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Get a credit report on him. Try https://www.annualcreditreport.com/ or www.equifax.com/ and a list of his credit cards should pop up.


Charge offs will drastically lower your credit score, just like any negative item similar to collections, judgments, and liens. They will stay on your credit report for 7 years unless removed. The more money owed and the more recent the charge off the more it will lower your credit score. You can remove charge offs by disputing them to the credit bureaus. The credit bureaus have 30 days to verify the charge off or it must be removed from your credit report.


first it depends what kind of charge off it is. and your credit score is all up to which credit company your checking your credit on .. there is no real answer to that question.


Yup, sure are. But then my guess is that you urged him to look into the service therefore you should want to pay them anyway... It WILL go on your credit.... Set up a payment plan- most places will do $10 a month....


Yes. You can not apply for credit in anyone else's name because it constitutes fraud.


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