アドバイスお願いします。

質問と回答
  • アドバイスお願いします。 イオンカードにキャッシング50万とショッピング20万残債があり、 引き直ししたところキャッシングに過払い10万発生しててイオンに請求をかけました。 昨日イオンから電話がきました。過払い金とショッピングの残債を相殺して最終的な金額を出すために来月の請求は止めます。残債の支払いも相談にのるとの事。カードは脱会になり、信用情報も大丈夫との事でしたが、今日電話が着て、信用情報の件ですが、不利な情報になるかも知れない?と言われました。どのような形になるのかと聞いたら、教えられないし、後は他社のカード会社の判断になりますと言われましたが、どのように記載されてしまうのでしょうか?来月の支払いを止めると延滞になるとも言われて…私も強気で多く払った利息を返金してもらいたいだけで支払いを滞りなくしてきたのに来月の支払いもするのに勝手に延滞にされたくないし、カードの利用も止められたくないと話したら、もう一度、調べて月曜日に電話すると言われました。不利な情報ならないようにするはどうしたらいいでしょうか?このまま強気でいていいのでしょうか?ちょっと不安になってます。
  • 質問内容を見る限りでは、イオンが故意に強制解約を入れない限り不利益な記載はないと思います。 でも、カード会社の判断という点を考慮すると、契約見直しの事を言っているのかもしれません。 イオンに報告する信用情報がCICなのか、JICCなのか確認し、JICCということなら契約見直しの事でしょう。 契約見直しなら近く無くなる予定なので、一時的に記載されてもいずれ削除されます。

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