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About that Credit Card You're Paying Off...

April 9th, 2014 at 10:22 pm

I'm in the process of paying of a credit card. I was paying the minimum because I've been snowballing another account.

The card was shredded earlier last year so I haven't been using it.

Statement came in today and I looked at it because I know that it should be paid off in the next few months.

Imagine my surprise when I opened it up and saw about $1000 of charges!

So know I have to call the credit card company. I've never had this issue before so I'm not sure how this is going to pan out...

My advice to you: Check your statements every month even if you have shredded the card and no longer using it! And don't forget to DEACTIVATE it so that it can't be used!

5 Responses to “About that Credit Card You're Paying Off...”

  1. Sian Says:

    btw, if you deactivate your card then they'll send you out another. do NOT activate that card! Shred it or put it away somewhere if you want to start using it after you've paid it off.

  2. creditcardfree Says:

    Yes, it is always wise to look at all financial records either in paper form or online on a regular basis.

  3. Mooshocker Says:


    Great post! I review my credit card statement every evening online. I look for things such as $1.00 charges, etc. In fact, be it not for my diligence, I would have owed over $140.00 in charges to Target! Yep, I was one of the lucky ones who got zinged with their massive, worldwide fraud alert. Jamie

  4. Sian Says:

    I def know that now creditcardfree!


    yes. that's what happens when I assumed... I can't believe that this is happening. I'm hoping that I'm not adding identity theft to it as well (that would definitely involve the policy...). not that my credit was good but it was getting better. and now it feels like i'm starting all over again.

  5. FrugalTexan75 Says:


    It shouldn't be too much of a hassle - mostly just phone calls and paperwork. I've had a similar thing happen to me a couple of times (not for a good while thankfully.)

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