Quote Originally Posted by Becky View Post
Indy, thanks for weighing in. On one hand, it comforts me to know that it's not just me & DH; on the other hand, it scares me that this level of incompetence is more widespread than I thought. I find myself really reluctant to even use the card and, as a result, we've discussed closing the account ASAP and getting the credit report hit over with. But now there's a chance that they won't even do that right?!?

Honestly, I'm not sure what they can do at this point that would satisfy me. *sighs*
Here's what I ask anybody who is concerned about a hit to their credit report: Are you planning to apply for credit, e.g, a new car loan or mortgage loan, any time soon? If you're not, then don't worry about it. And if you are, then just wait to close the account until you obtain the loan. But if you otherwise have excellent credit, I wouldn't worry about the minor hit you might take by closing the account.