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Reply to "Credit record dinged because of Am Ex...what would you do?"
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[quote=Anonymous]I never use my AmEx card, and so I neglected to open the statement which contained the annual fee. So I was late a month. It went to the credit bureau, and Am Ex says it can't remove the fee. I said then I want to cancel my card, and please send back the $125 I just paid for this year's annual fees, which I obviously won't need to pay, and he said that if they sent me a refund check, they would continue to report an unpaid balance of $125 a month to the credit bureau every month. I am so mad. It's not like I missed a payment when I used the card. It's their stupid annual fee. If I didn't pay it, cancel the card. Don't report it to the credit bureau and lower my credit score by 50 points. Do you have any ideas? [/quote]
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