Second, almost all success stories from goodwill letters are the same. I just wanted to share. It really all happned so quickly. Search by Keyword or Web ID . Fairbank Chief Executive Officer Capital One Finance Corporation 1680 Capital One Dr McLean, VA 22102-3491. weeknight dinner ideaUSPS Mail: Phone: Merrick Bank Customer Service P. In 2021, 99% of Kohl’s 1,165 stores were four-wall cash flow positive and approximately 95% generated more than $1 million in four-wall cash flow. Write a goodwill letter to x company and include and specific information like account numbers, reasons for the delinquency and complements to the company regarding their service. weeknight dinner ideaFirst let me start by saying thank you to this amazing community. I figured the more eyes that saw my letter the better. , November 8, 2022 — Kohl’s Corporation ("Kohl’s" or the "Company") (NYSE: KSS) today announced that Chief Executive Officer Michelle Gass plans to step down as CEO and member of the Kohl’s Board of Directors (the “Board”), effective December 2, 2022, to accept another opportunity. A pay for delete letter lets a collector know you are open to paying off a debt that the collection agency says you owe. Late last year I decided to get my first credit card in 9 years. The process is easy: simply write a letter to. They're due to fall off in a couple of years, but I. Activists’ slate threatens to disrupt Kohl’s momentum; Activists offer no new value-creating ideas. They came. Should MYSELF buy write to. Bank of America Goodwill Success! Since it seems a lot of people haven't had luck I figured I'd let you know my success story. Write a Goodwill Letter. In exchange, you’re asking for a signed contract indicating they will remove offending negative items such as a credit card collection or debt judgment from your credit report. A goodwill adjustment may be made after mailing a goodwill letter to creditor, who then agrees to make the appropriate changes to your account and report it to credit bureaus. I'm basically writing to see if anyone had goodwill success with Wells Fargo Financial in the past, and if so what avenue you went down to achieve success. a missed cash for Kohls. What Is a FICO Score My first goodwill success! Like everyone else, my finances were impacted by COVID-19 in early 2020. Thus, an account that goes past the billing due date becomes delinquent under the consumer's account. Seeing as they're the ones that mishandled my payment, not me, how do I start (I know, messy & expensive) arbitration? Because this - 1198805 - 2I sent a letter to Target to please remove my two 30-day late payments from 2010 and 2011. 2 in portal cash back. Good luck! Seems like they are forgiving if it is your first offense. Kohls/Capone is a term you might come across on your credit report, and it’s essential to understand its implications. Now I have a 30-day and am taking 50-point hits :( I've made the payment and the account is squared up, now. The reasoning for the request is based on reasons that have nothing to do with any mistake made by the lender. It'll turn out ok - just may take 30 days for resolution - or, the account will be removed shortly & while the dispute is still open. $30. Dallas, TX 75093. TransUnion Dispute Address. Business, Economics, and Finance. Late payments can impact your credit scores for that entire time, but the impact typically decreases over time. We did the best we could but ended up having multiple missed payments. YOUR BOARD AND MANAGEMENT TEAM PRODUCED STRONG RESULTS IN 2021. Salt Lake City, UT 84130-0253. 77% success rate on recommended stocks. PG&E utility GW success. How to Read a Credit Tell. 0% and a 55. The Board. 33, eclipsing our previous record of $5. The department store Kohl’s has received a roughly $9 billion offer to go private in a deal with an investment consortium backed by the activist hedge fund Starboard Value. Hi All, Long time member, long time lurker, recently I got a 30+ day ding on my credit from Citibank. As the name “goodwill” suggests, this request puts it on the creditor to make a good-faith effort to cooperate and work with a client or customer, and to establish a good business reputation with its clients. I immediately paid the balance in full when I received the notice. Can you please provide the address that was on your credit report for Kohl's. The bad news is that the majority of goodwill letters are unsuccessful. Their email statement landed up in the Junk folder. Send Inquiries To: Kohl’s, P. Skip Navigation. Here, this website can be helpful sometimes. Send the letter to the appropriate office for your issue: Credit card-related issues: Capital One, P. With an on-demand pay benefit, employers can provide greater financial wellness support for employees, leading to happier and more productive employees. While an individual is in the process of removing a negative entry from their credit report, they. Provide evidence that you now pay on time. Goodwill Industries International supports a network of more than 150 local Goodwill organizations. I had success going straight to the top with a goodwill letter to the CEO of Kohls. Welcome to the club. This could include the name and contact information of the collection agency. I had a single late payment in 2018 during a medical crisis with my teen daughter that happened simply because that week was a blur. Capital One Goodwill Success!!!! 2017. A goodwill letter is a letter in which you say you are sorry for the late payment and ask them to please remove them. However there was a misunderstanding on my. I've been able to obtain goodwill adjustment success with several creditors/lenders using this method when many others have fallen short with the same institutions. This is a straightforward way to potentially get a late payment removed from your credit report. Goodwill letters on late payments ---UPDATE. . I had a 60 day late payment dating back to Jan & Feb 2017. EGO recieved an response reverse from them via mail stating : "Thank you for ingest the time to contact Kohl's in regard the that negative - 690122Persistance pays off, folks. Starting a GW campaign a month after you paid off deliquent debt could rub someone the wrong way. (I didn't check exactly) 20170609_131045. Box 259407, Plano, TX 75025-9407A goodwill letter is a simple way to restore your credit to good standing by requesting that a lender or servicer erase a late payment on your credit report. We would like to show you a description here but the site won’t allow us. I have. Explain your response to it. Re: FedLoan Servicing Goodwill Letter. $61. . i'm not sure where it should really go. While the creditor doesn’t have to consider your request, it may show mercy and ask the bureaus to remove the ding, which could improve your credit scores. I explained my situation and why I was unable to make the payments on time. Avoid rude, threatening, ranting or demanding language in your letter. If you move forward with a goodwill letter, be sure it includes some key pieces of information: Your account number. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. com. . Goodwill adjustment with phone call/letter. m. Have you fallen in on your Kohl's billing? Information can hurt your believe score. Nov 18, 2023,09:25am EST. The Board. I was first told they simply don't do Goodwill Deletions. Since many people use store cards infrequently, they aren’t in the habit of submitting monthly payments for them. I recieved adenine response back von them via sent stating : "Thank you for taking the time to contact Kohl's include regard to the negative - 690122I recieved a react back from she via email stating : "Thank you for taking the time to please Kohl's in view to the negative reporting on your Credit Bureau Report. I started via email, and have been contacted by the 3 cards. Re: Bank of America-Goodwill Letter Rejected. Based on what I'd read, I emailed executives on my charge off accounts yesterday. Kohl’s (KSS) Company Description:Re: Goodwill Letter Success/Disappointment Yes the exact cause of the credit score jump was the removal of the 2 year old derrog, and maybe a little from the credit limit increase, but mainly from the removal. Do not send us payments without speaking to your bankruptcy attorney or the Bankruptcy Court. Free shipping with $25 purchase. Goodwill success! Capital one, comenity, and credit one! Thank you to everyone who helped me and encouraged me by posting their success stories. A goodwill letter is a way to get accurate, negative line items removed from your credit report. How to Read a Believe Report. Unfortunately, I got the dreaded email that they were not removing any of my late payments. Sample Debt Validation Letters. Please, need help - Sallie Mae goodwill letter. There’s no formal format for a goodwill letter, but there are guidelines generally considered as effective: Offer an apology and be as sincere as possible. Hi All, Long time member, long time lurker, recently I got a 30+ day ding on my credit from Citibank. I have made numerous attempts to get Cap 1 to remove one 30 day late from 2012 with no success. I wrote a letter to Kohls, but they right sent back a "no" form letter (obviously didn't ready my explanation). Box 31293, Salt Lake City, UT, 84131-1293 Auto loan-related issues: Credit Bureau Dispute, P. So, I took the time to write a respectable letter to Alabama Power and the collection agency. . Good For: Those with one-off late payments at creditors with whom they have a long positive history. While an individual is in the process of removing a negative entry from their credit report, they. Help please! I am really hoping that someone on here can help me out. MYSELF recieved a reaction back from them via email stating : "Thank you for taking the time to contact Kohl's in regard to the negates reporting with your Credit Bureau Report. Plus, Kohl’s newly enhanced Kohl’s Rewards program offers all rewards members that use their Kohl’s Card an elevated earn rate of. Im gonna continue to sa. Big Lots: 6 a. to 8 p. Kohl’s is under no obligation to honor your request. Tom Kingsbury, CEO of Kohl’s, is responsible for the company’s growth, profitability, and strategic direction — overseeing its 1,160 store base, ecommerce business, and 100,000 associates. In this article, we will explain: what a goodwill letter is; instructions to use a goodwill letter into purge a late remuneration Step 1: Gather your contact information. Find out how to have them removed of your credit report. Make sure that you include the reason why you missed the payment. All my fico8 scores were in the 670s, so I decided to start working at rebuilding. This gives you the right to request information about the items listed on your credit reports but not specifically to dispute them. Dear Madam/Sir, I am writing to you today regarding my account #XXXX-XXXX-XXXX-XXXX. . Two let me know they'll look into my request (again, I'm aware these might not work out). Wells Fargo CC goodwill success in removing a 30-day late. Synchrony Bank, P. Here's when to send a. Hi, Once upon a time, I was a young, naive college student with a FICO in the mid-600s due to about 8 late payments on various accounts. Ive have attached a timeline below. It’s. Was wondering if anyone has had success with the following. Discover Goodwill - EO Response and Added Inaccurate Reporting Data. That led to late payments on my credit cards across multiple banks. This is the most common reason people send in a goodwill letter, and has the highest chance of success. All correspondence was via phone with the EO and then backed up my mail correspondence. It took about a month or so, but I got an update to my credit report this morning and the late payments are GONE! My score went up 8 points on TransUnion and Equifax. Get record tanked to 80 issues overnight. Yes, goodwill letters still work in 2022. For example, if a borrower missed a student loan payment, which has negatively affected their credit score, a goodwill adjustment can remove the late. So your goal is to write your creditor a letter that persuades them to do just that. I composed a letter to Kohls, but they just sent back ampere "no" form letter (obviously didn't read mysterious explanation). Capital one and CITI bank are both a stubborn SOB , but im super hyped that some of my goodwill letters had success. Sabrina from the Executive Offices always calls me within 2 days to confirm receipt of my emailed request and let's me know that I will be contacted by her within 2 working days. How to Acquire Own Free Credit Report. Good evening. I was denied!! I rewrote the letter instead of asking to "delete" the payments and asked for a "goodwill adjustment. Here's when to send a. Address. Disputing Credit Report Inaccuracies. They say paid or paying as agreed but all the lates are still there. Awesomeness!" See more reviews for this business. Success Rate. “ [F]orces like consumers’ migration to. In this case I have a 30 day late on two Navy Federal cards from 2013. 25. I had a bill from Alabama Power that was sent to a collection agency. The letter I received today from Chase says in part: "Based on the information provided, we have furnished the credit-r. Well, another goodwill letter success story here. I've been able to obtain goodwill adjustment success with several creditors/lenders using this method when many others have fallen short with the same institutions. The first step in writing a goodwill letter is gathering information about your credit report’s negative item. If you "recently" paid the charge-off (CO) then you may not have as much leverage with Kohls -unless- you reach one very understanding representative willing to remove it. Thank you! Starting scores in 2007: sub 600. . Perhaps they have internal policies to not even entertain the idea for a year for example. Also, collect the creditor’s name, address, and the account number associated with the negative entry on your credit report. Thanks. Richard D. . I sent 4 to the top email addresses I could find about 10 days ago. The letter also summarizes Macellum’s shifting. She took down all my info and told me within 30 days it would be removed. It really all happned so quickly. and its affiliates (“Kohl's,” “us,” “we,” or “our”), to exchange information about your account(s) and you, so that you can. 2 in credit card cash back. Hey all, I got caught up in so many things the last month that I entirely missed that my Kohl's card had a $4. I was a mishandled check by the clerk (long story). Stores: The Foundation of Kohl’s Omnichannel Platform. Box 3115. Discover out how to have them removed from your credit report. My record showed 2 missed payments back on Dec 2016 and Jan. But writing one goodwill letter doesn’t take too large effort or has a capacity for a huge payoff. . Please note: your account number from your statement will not work. Juicy Couture. i'm sending a goodwill letter to kohl's. It's now back to 730-740. A quick follow-up: I received a call from CCS at 1:51PM (approximately 3 hours after first sending my goodwill requst) to let me know that they have already requested removal of their trade line information from all of my reports, and will be mailing me a letter stating as much that I should be receiving in 5-7 days! What a tremendous and very. In fact, some creditors may refuse to make any changes based on your goodwill letter requests. . Capital One GoodWill Letters. Wenn you otherwise have good payment show on your Kohl’s card, the first-time method to consider is letter them what’s calling a “goodwill letter”. My correspondence’s primary focus is to request you to make a “goodwill” adjustment on the reporting of this account to the three credit agencies. Part of Goodwill’s success over the years can be attributed to its ability to innovate. I sent a letter to Target to please remove my two 30-day late payments from 2010 and 2011. Synchrony - All 3. They are also digging into the others to have those deleted as well. Kohl’s had cut corners and tried to tackle the store rollout with no external consulting support (other than guidance from the RFID software vendor’s team). Kohl’s is under no obligation to honor your request. I know it is often a long shot. I have 4 paid collection accounts on my credit report through 2 CAs from 2008/2009. Information has a mishandled check by the clerk (long story). trusted retailer of choice for the Active and Casual lifestyle. home decor idea. For example, rather than writing vague generalities about a job well done, include details that demonstrate what the person did to deserve the recognition. MYSELF have one single red mark on my credit. The letter features the transcript of a question-and-answer session with Kohl’s CEO Michelle Gass and CFO Jill Timm. @Relic84, Welcome to the FORUMS!. CITIBANK goodwill letter SUCCESS!!! Hi All, Long time member, long time lurker, recently I got a 30+ day ding on my credit from Citibank. Credit Bureau Contact InformationExplain your response to it. Write a goodwill letter to x company and include and specific information like account numbers, reasons for the delinquency and complements to the company regarding their service. Before writing your goodwill letter, gather your personal contact information, such as your name, address, phone number, and email address. 08 EX - 709 . Also, collect the creditor’s name, address, and the account number associated with the negative entry on your credit report. A few tips: 1. I had four late payements to JCPenny sitting on my credit report, so I decided to write to them to request that they be removed. Similar until other aspects of improving your individual finances, of best part is this you can get started on it doesn just includes 2022, but right. My scores were in the low 700s, dropped al. Thank you Chase! And thank you Myfico and all of the forum members, I'd have never had the courage to ask for a goodwill if it wasn't from all of the advice I've received here. I would like to thank for all the ppl who shared similar experience and successful stories. I recommend you email the CEO of Comenity. I LOVE you guys and this forum. So if anything else, let that be a lesson to everyone that one small missed credit card payment can drop your credit score by over 100 points. I had four late payements to JCPenny sitting on my credit report, so I decided to write to them to request that they be removed. •. . The good news is that if a creditor accepts your goodwill letter, it can help you improve your credit score. Enter your date of birth following the format shown (example: 01/01/1970). I had a pretty harsh beginning to the year and missed 5 Capital One payments. Please provide us with the full Kohl's account number and recent copy of credit report. Successful GoodWill Letter. I have no other negatives on my report, started rebuilding 4-5 years ago and now have over 100k+ in credit. Re: Account Number. . fairbank@capitalone. Credit score went from 780ish to 700-710. I have a few late payments from 2014 and 2015 that I'd like to get taken off. ago. Your address. I got letter on Tuesday. Anytown. Kohls called me Monday at 9 am to tell me they removed my late. Written by: Emily Starbuck Gerson Updated February 28, 2023 • 5 min readMust yourself fallen behind off your Kohl's payments? He can get your loan score. I emailed the president of both kohls and capital one. confused? Hello so I wrote a goodwill letter to discover about the reason why I was late on payments (90days) and I paid off the card before it closed. Kohl’s Credit. I have a clean history except for one late payment for Kohls in Oct 2010. . Apparently my student loan servicer changed a couple times around when my 6 month post graduating deferment ended. In addition,. If anyone needs direct emails please let me know. On-demand pay — also known as earned wage access — gives employees access to their earned pay before the traditional, scheduled payday. I discovered this site, ordered the. So, after researching ways to remove paid collections from CRs, I came across the idea of a Goodwill Letter. 5 years of sending GW letters for one to finally work. Sending to the two address's on my credit report. Directors that has the necessary skills to oversee Kohl’s evolving strategy. Earlier this week I sent a goodwill letter (in email) explaining my situation. . CAPITAL ONE GOODWILL SUCCESS (X4 LATE PAYMENTS) I succesfully have had 4 late payments removed from my report from 2 capital one card as of this moring. Kohl’s Directors outmatch the Activists’ slate on relevant expertise and capabilities. O. kohls. Well I initially sent goodwill letters through their. A goodwill note is basically a anschreiben that stories them why you were late paying your bill and that you won’t let it doing again. Re: Do Goodwill letters work in 2018? If you use the Saturation Technique, I'd say you stand a 99% chance of getting that late payment removed. 5 late payments 30 days and 2 that were 120 days. Write your own letter. Back in January and February I missed one 30 payment on two different Credit One bank cards and a 30 and 60 day late on a Capital One card. Called capital one after sending a goodwill email and they were able to take off 5 late payments from my account ! Rebuild Context being I started to miss Payments around Covid time about 7 late payments total I sent a goodwill letter to the CEO they tried to call me and I called them today and they are able to take off 5 late payments of. Similar until other aspects of improving your individual finances, of best part is this you can get started on it doesn just includes 2022, but right. 60 in 2018. I do not see an address on my credit. . Hi All! I just wanted to thank everyone on this subreddit for helping me turn my credit life around! I found out about Goodwill letters through this community. March 9 at 7:00 AM. If your request for a “goodwill adjustment” is granted, Navient will ask the credit bureaus to remove your late payment from your record. Step 2B: Identify any extenuating circumstances or errors that led to late payments. 13 hours ago · For donors, dropping off a box of lightly used goods at the Goodwill Donation Xpress may be one of half a dozen errands for the day. should i just address it to the 'charge card customer service' or should i address it to the CEO or some type of management? all the contacts are linked above. It took a little more than a month but I received two letters (one for me and one for my spouse) stating they would update their records and to allow 30-60 days to reflect on credit reports. Your goodwill letter needs to be persuasive, establish an emotional. All delinquent late pays were removed after a couple months of sending emails to the corporate customer service personnel, and being patient. Kohl’s charges a late fee every time you miss your billing deadline. This serves as evidence that the credit bureau has received your letter and starts the 30-day clock for them to investigate the dispute. If you could get one human on the phone maybe you could find the human you need. should i just address it to the 'charge card customer service' or should i address it to the CEO or some type of management? all the contacts are linked above. In order to remove the late payment from your credit report, your first step should be to write Kohl’s what’s called a “Goodwill Forgiveness Letter”. Congrats on the goodwill success, you're right that persistance is how to get it done ! March2010 FICO® ~ 695 TU, 653 EQ, 697 EX Message 8 of 13 1 Kudo Reply. Pay for Delete Letter. It has a yearly fee of $29 that comes due in May of every year. Highlights include: We fundamentally restructured the business to be more profitable, delivering all-time record adjusted earnings per share of $7. The letter F. Occasionally, people report success from calling and sending multiple letters over time, but we can’t verify this. A pay for delete letter lets a collector know you are open to paying off a debt that the collection agency says you owe. PO Box 3115. Find out how to have diehards removed from your credit report. Kohls and Chase told me they are sorry for the situation. Just let the process play out. Thanks to the information on these boards, I was able to score a goodwill success with Wells Fargo. Following advice here I sent out some Goodwills last week. Lots of people seem to have luck with it. Find the available jobs in Business Operations, Stores, Distribution. Welcome to the cs. The health and profitability of stores is in part due to their strategic. 3) I used MS Word and a printer, but a handwritten and clearly legible Goodwill letter should work just fine. The Company’s Annual Meeting of Shareholders (the “Annual Meeting”) is scheduled to be held on May 11, 2022. A goodwill letter – also known as a forgiveness letter – is a letter you write to a creditor to ask them to remove a negative item (or mark) from your credit report. Customer Service isn’t going to help you - because they literally can’t. Goodwill letter bumped my credit score from 696 to 758. 00. Transition updated on Wednesday. You should add the date of the negative item, the amount owed, and any other relevant details. I recieved a response back from them via email stating : "Thank you for taking this time to contact Kohl's at regard to the negative reporting turn your Account Bureau Report. A goodwill letter is a letter you send to your creditors asking them to remove or stop reporting negative information from your credit report as a matter of goodwill. I'm new to this and have been reading multiple posts about goodwill deletion requests. I wrote an letter to Kohls, but they just sent back a "no" form letter (obviously didn't read my explanation). Work had been slow due to the pandemic and the funds weren't there. I took care of my credit very well ever since I started owning a credit card 3 years ago. Goodwill letters: What you need to see. According to the Consumer Financial Protection Bureau (CFPB), negative information—like late payments—can stay on a credit report for up to seven years. Navy Federal Goodwill Email to EO. A 609 letter is a method consumers can use to request the removal of erroneous items or unsubstantiated entries from their credit reports. Discover Goodwill letter. All. Write the letter of your life and send it to somebody who has the latitude to work on your request. Log In. As technology evolves and such skills became necessary for most jobs, Goodwill has. The same exact situation happened at 3 of their competitors, who ALL recognized it and removed the lates (BOA, Discover, and Macy's). By the time he left office 16 years later, parliament was about to move to a Berlin no longer divided by a wall. Kohls GW success via e-mail. Never done one myself, but the success stories are everywhere on the r/CRedit sub, myFICO forums, etc. Nov 17, 2023,04:30pm EST. I have no other negatives on my report, started rebuilding 4-5 years ago and now have over 100k+ in credit. . Sample Debt Validation Alphabetical. If you are successful though the remark will likely be removed from your credit report without. Today, three companies called me - Kohls, One Main, and Chase. I have had a BoA Credit Card for ~10 years that has mostly sat unused. I'm going to write them a letter. So, bottom line is I was 3 for 3 with success with GW letters to Nationstar for the removal of 7 30-60 day lates total! Very happy with this result. Box 3043, Milwaukee, WI53201- 3043 9. I have sent and had success with goodwill letters for Capital One, Citibank and a few others. . Kohl’s Sends Letter to Shareholders Highlighting Collective Strength of the Board. How till Type a Goodwill Letter. I understand that your credit report is very important to you and can understand how frustrating this must shall for to. For example, if you missed a payment because. Re: Credit One Bank Goodwill Success! I have a closed, paid negative account with them. Credit Bureau Contact News I took care of my credit very well ever since I started owning a credit card 3 years ago. Kohl, who has died aged 87, began his first term as chancellor in the Bonn of 1982. Kohl’s remains open to new ideas that could enhance shareholder value. Kohls came through with a good will removal. I have been sending out emails to execs that I could find through googling. See more of Kohl's on Facebook. If the entry listing is a collection or delinquent, you’re more than likely going to have to pay Capital One as the debt collector. Forgot account? or. I honestly did not hold high hopes for any of them. This is the part of the letter where you describe the steps you've taken to make sure a late payment won't happen again. On Thursday of last week, Kohl’s sent a letter to shareholders, pushing back against activist investor Macellum Advisors campaign to add new directors to the retailer’s board. Richard D. Citi removed a 30 & 60 day late. A goodwill letter explains the reason your loan payments were late. Capital One can help you find the right credit cards; checking or savings accounts; auto loans; and other banking. I have purchased 2011 vehicle as of 2/2014 and I have been pre-approved for 100k home mortgage loan as of 3/2014. Ive been sending goodwill letter to Regions for 3 months now and no success. A goodwill letter asks a creditor to remove late payments or other mistakes from your credit reports. 06-08-2021 12:55 PM. The rep told me they have to follow the rules/regulations and they couldn't delete the TLs. Missed one payment (over 32 days) with Discover around July of 2017 when I was staying overseas for family medical issue. I am trying to get late payments to Fingerhut removed from my credit report with a goodwill letter. Of course convincing the creditor to do such a thing is the hard part just as you and many others experience. I had given up and prepared to face the 7 year punishment because I thought nothing could be done. ”. Dear Madam or Sir, I am writing this letter regarding my account ( the account number). I called capital one twice asking to have it removed and both times was told. Written by: Emily Starbuck Gerson Updated February 28, 2023 • 5 min read How to Get Insert Loose Account Report. Goodwill letter success. I have had a BoA Credit Card for ~10 years that has mostly sat unused. Written by: Emily Starbuck Gerson Updated February 28, 2023 • 5 min read Published: Sep 09, 2009 4 min read SHARE It can be easy to forget to pay a bill after using a store credit card, such as your Kohl's Credit Card. Write a humble letter asking for forgiveness. AMEX Platinum NPSL | BofA Cash Rewards Visa $50K |.