HSBC closed CC due to inactivity!!???

[disneysteve]

they said they had done careful research

Love this. You've got to wonder how "careful" that research was if it failed to turn up that minor detail that he had passed away 6 years earlier. I guess he still has good credit, though.

Have you ever ordered a credit report in his name since he died? You might want to do that and make sure nobody borrowed his identity. I've read of cases where that happened.

[neatdesign]

Credit cards Companies still send new cards to my husband and he has used his in 6 years because he is dead. we also got a letter offering him a loan. In the letter they said they had done careful research and they could save us money. I wanted to write them back if they had done such careful research they might have noticed he was dead and wouldn't need a loan.

It's very possible (perhaps probable) that the credit bureaus are unaware that he is deceased, and that's why he continues to receive offers. You might consider sending them letters and copies of the death certificate so that they know and can update their records.

When I worked for a credit card company, on VERY rare occasions (although they DID happen) I'd get calls from people who'd applied for a credit card and got letters saying they were denied because they were listed as "deceased" on their credit reports. Obviously they weren't, but that just goes to show you what kinds of things can happen when there are errors on credit reports. In your late husband's case, my guess is that it's the opposite problem -- he's not listed as deceased when he should be.

~ Jenney

[jamai]

its crazy that they're willing to loose customers in such a silly manner!
come to think of it, its actually better than some banks who instead charge you for innactivity.

[disneynutt]

How long do you think it will take for us to receive our letter of cancellation? Supposedly they mailed it on the day I made the initial post. I don't think it takes 9 days for mail to get anywhere anymore - unless they sent it via pony express. We still haven't recieved any word of the closure.