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.
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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?
I got the email within a few hours. There was no link, it was just a confirmation.
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.
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.