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Payment with a Credit Card that Wasn't Activated

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  • 09-19-2008, 12:41 PM
    akb0925
    Payment with a Credit Card that Wasn't Activated
    My question involves collection proceedings in the State of: Mo

    I have a default judgment against me for an old credit card which is fine and I am paying on it but my question is......................

    When I 1st applied for the card and received it in the mail the card stated that I had to call to activate it before I would be able to use it. So I never get around to activating the card and eventually forget that I have to do so. I eventually made a payment online to Cingular using this card and apparently it went through w/o me ever activating it. I never used the card again as it would not allow me to since I did not call to activate. I actually did not even know I had a balance on my card because I assumed the payment never processed hence my new default judgment.

    Has this happened to anyone?
  • 09-19-2008, 12:48 PM
    akb0925
    Payment with a Credit Card that Wasn't Authorized
    My question involves judgment recovery in the State of:MO

    My question involves collection proceedings in the State of: Mo

    I have a default judgment against me for an old credit card which is fine and I am paying on it but my question is......................

    When I 1st applied for the card and received it in the mail the card stated that I had to call to activate it before I would be able to use it. So I never get around to activating the card and eventually forget that I have to do so. I eventually made a payment online to Cingular using this card and apparently it went through w/o me ever activating it. I never used the card again as it would not allow me to since I did not call to activate. I actually did not even know I had a balance on my card because I assumed the payment never processed hence my new default judgment.

    Has this happened to anyone?
  • 09-19-2008, 01:10 PM
    Jackie2
    Re: What Do You Think About This
    Quote:

    Quoting akb0925
    View Post
    My question involves collection proceedings in the State of: Mo

    I have a default judgment against me for an old credit card which is fine and I am paying on it but my question is......................

    When I 1st applied for the card and received it in the mail the card stated that I had to call to activate it before I would be able to use it. So I never get around to activating the card and eventually forget that I have to do so. I eventually made a payment online to Cingular using this card and apparently it went through w/o me ever activating it. I never used the card again as it would not allow me to since I did not call to activate. I actually did not even know I had a balance on my card because I assumed the payment never processed hence my new default judgment.

    Has this happened to anyone?

    didn't you receive a statement in the mail for the balance after you used it?
  • 09-19-2008, 01:12 PM
    akb0925
    Re: What Do You Think About This
    4 months after it was used. And the balance has only gone up since then.
  • 09-19-2008, 04:16 PM
    Jackie2
    Re: What Do You Think About This
    did you get a bill from the credit card stating you had a balance?
  • 09-19-2008, 05:48 PM
    Betty3
    Re: Collection in Missouri
    If you got a statement with a balance, why did you not pay the balance at that time - it would have eliminated the judgment. The balance has gone up due to interest & late fees.
  • 09-19-2008, 05:56 PM
    Jackie2
    Re: Collection in Missouri
    alright, let's take a step back. You have a default judgment. means you didn't go to court and they won the case. Were you served properly? Did you even know you were being sued?
  • 09-19-2008, 06:04 PM
    Betty3
    Re: Collection in Missouri
    See http://www.expertlaw.com/forums/showthread.php?t=58183 re poster being served.
  • 09-20-2008, 07:39 AM
    Mr. Knowitall
    Re: Payment with a Credit Card that Wasn't Activated
    If you used a credit card issued to you, you owe the money you charged to the card.
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