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Paying off and closing cc account

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  • 16-02-2013 2:40pm
    #1
    RiseToMe
    Registered Users Posts: 1,272 ✭✭✭


    I have a debt of 7k on a credit card with Mbna. I want to pay this off in one sum and close the account.
    If I offered say 6k in a lump sum to pay the account would it be registered with the ICB as a partial payment and result in a black mark against me?


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    #2
    tony81
    Closed Accounts Posts: 595 ✭✭✭tony81


    Why would they accept 6k for a debt of 7k. Would you?


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    #3
    chris85
    Registered Users Posts: 4,502 ✭✭✭chris85


    RiseToMe wrote: »
    I have a debt of 7k on a credit card with Mbna. I want to pay this off in one sum and close the account.
    If I offered say 6k in a lump sum to pay the account would it be registered with the ICB as a partial payment and result in a black mark against me?

    If you offered and they accepted yes it would be marked on ICB as settled for a lesser figure. This would have a negative impact compared to a full settlement obviously. As noted already would need a strong reason for the bank to accept it. Very strong as why would they write off a grand when they dont have to.


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