Update 1/27/22: Reddit user SagittandiEstVita e-mail’d cardless and they stated they would get Experian to remove the card if they agreed to close their account. A few days after closing the card the card was removed from their report.
Original post 1/29/22: Cardless is reporting Manchester United credit cards to credit reports (1,2,3). At the time the card launched Cardless President/Co-Founder stated that the card wouldn’t report to credit reports and wouldn’t count towards 5/25 status as confirmed by VFTW. This changed at May 18, 6:00 a.m. Eastern. Despite this assurance applications before that time are now appearing on credit reports.
Stay away from cardless credit cards, they do not monitor fraud and they do not have a fraud call center off hours. A friend of mine had there number stolen. Couldn’t get a hold of anyone and left him liable for fraudulent charges. All around bad business!!!
FYI, Pelicans card has not reported to any reporting agencies.
I am not sure what the best course of action is for me. I opened the card 5/17/21 and have a $400 credit balance from redeeming points. Should I close the account and request it to be removed from my report? Of course I need to use up the balance or request a check first.
If you’re able to request a check, please let us know. I would make sure to get your points in cash before you close.
imagine trying to game they system and the system decides to bite back
Just to add a factor to the discussion. I signed up for the 30k points SUB and a couple of months ago there was also another bonus 10k points for existing customers after spending an additional 1k, which I thought was very nice and also fairly unusual. Wondering if anyone has reason to think Cardless will be offering more such spending bonuses to all existing customers in the future?
> Original post 1/29/22
I assume that’s a typo 🙂
I called two days ago to close my card. Surprisingly they say they cannot close it over the phone, their process is they open a ticket, then some time later I would get an email, where I would have to click a confirmation link. No email for two days. Has everything gone through that to close the card? And if yes, how long did it take to get that email?
Also called in to close today (they also “confirmed” that in closing, they would remove reports of the account to bureaus). No mention of clicking a link later, but did say it would take 3-5 business days.
I got the email within a few hours. There was no link, it was just a confirmation.
If this isn’t showing up on your credit report yet, closing it quickly is the best idea?
I can confirm my Celtics card is now being reported.
This dumb card reporting on my CR only delays my going under 5/24 by 2 months, otherwise I’d probably be more outraged.
are you waiting for <5/24 so that you can apply for a Chase card?
@Spiel. Are you asking why it’s dark at night? Why water is wet?
fair enough. i was just curious which chase cards everyone so eagerly wait to apply for. there’s only so many sapphire, ink and freedom cards one can have with the 24/48 month limits.