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  1. #1

    Default 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?

  2. #2

    Default 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?

  3. #3
    Join Date
    Sep 2008
    Location
    wayne county
    Posts
    23

    Default 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?

  4. #4

    Default Re: What Do You Think About This

    4 months after it was used. And the balance has only gone up since then.

  5. #5
    Join Date
    Sep 2008
    Location
    wayne county
    Posts
    23

    Default Re: What Do You Think About This

    did you get a bill from the credit card stating you had a balance?

  6. #6
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default 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.

  7. #7
    Join Date
    Sep 2008
    Location
    wayne county
    Posts
    23

    Default 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?

  8. #8
    Join Date
    Apr 2007
    Location
    Il.(near StL,Mo.)
    Posts
    5,252

    Default Re: Collection in Missouri


  9. #9
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default 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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