過払い請求後について質問です。

質問と回答
  • 過払い請求後について質問です。 3年前に弁護士さんに頼んで、数社の債務整理(任意整理?)をしました。 大手消費者金融5社の整理をお願いしたら、4社は過払いが発生してる状況でした。 早速、過払い請求してもらい、戻ってきた過払い金で、 残りの1社の残りの債務を一括返済し、借金ゼロです。 先日、申し込んだだけでポイントをプレゼント!とキャンペーンがあり 整理したから通らないだろうけど、ポイント欲しいから〜と 軽い気持ちで申し込んだら、何故か通ってしまい、クレジットカードが届きました。 整理したら5年~7年はカードは作れないものと思っていましたが、違うのでしょうか? もし作れるのであれば、楽天カードを申し込んでおけば、 5000ポイント貰えたのにな〜と考えてしまいました。 あ、また多重債務で苦しむのは嫌なので、届いたカードは ハサミでチョッキンしちゃいました。 ですので、借金しないで現金で生活するようにしなさい等の ありがたいお言葉はご遠慮ください。
  • 大手消費者金融5社とかいてありますが、クレジット会社には債務はなかったということ、または、ブラックになってなかったということでは、ないでしょうか。消費者金融業界とクレジット会社業界では、信用情報機関が異なりますので、そういう結果になったのかと思います。

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