My credit union recently closed my credit card account without any reason, although they did close it within 1 hour of an email asking for a
lower interest rate. They also closed my line of credit of $1000 without explanation. No big deal, as I was set to pay this off and close the account.
The original agreement in writing was for a slightly lower rate. I have a copy of the agreement. What now is my best option for this account? Should I
let it go to collections, and then negotiate a lower rate? Should I challenge the balance of the debt? Should I offer a lower settlement? What should
I look for as far as violations, and federal challenge?
Thank you!
Byron Penoyer
Lansing MI
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