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Karazzy
Joined: 09 Feb 2007
Karazzy's page
Posts: 8
Location: State of MASS confusion
650 Magic Points
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Subject: VISDSNB is listed in my credit report - What to do?
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Sat Feb 10, 2007 5:03 am
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I have recently pulled out my credit report and found VISDSNB listed in the report, but I cannot figure out what type of credit card it is.
I have found an address along with the listing but no telephone number. There are a list of credit card numbers in my report associated with VIS DSNB. Can anyone suggest what to do now?
Any suggestions would be of great help
Thanks and Regards
Karazzy |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Mon Feb 12, 2007 11:46 pm
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Hi Karazzy,
VIS stands for VISA and DSNB stands for Departmental Store National Bank. Therefore VISDSNB is Visa Departmental Store National Bank. Now if you have VISDSNB listed in your credit report, it means that you may have applied for a Departmental store credit card (VISDSNB credit card). If you have applied for a credit card in any of the departmental stores, e.g MACY's, then there may be a hard inquiry conducted in your credit report and so you may find the VISDSNB listing in your credit report.
Alternatively, you may also have outstanding debts on your existing VISA departmental store credit card.
However, if you have not applied for a credit card in any of the departmental stores, you should send a letter to the inquirer asking them to remove the hard inquiry listing from your report. As per the Fair Credit Reporting Act, only authorized hard inquiry must stay in your credit report and so you can remove any hard inquiry listings which you have not authorized.
If it is a outstanding debt listing, and you are sure you do not have a VISDSNB credit card, you can send a debt validation letter to the credit card company whose name and address appear in your report. If they cannot validate the debt within 30 days from the date of receiving your letter, send a dispute letter to the bureaus telling them that you do not agree with the listing. The bureaus will verify it with the credit card company and remove it from your report.
You can call them at the following numbers
Macy's credit card : 1-800-830-3087
other VISA departmental store cards :1-800-668-7196 |
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Rebecca
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Subject: VISDSNB & FIA CSNA
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Mon Feb 19, 2007 6:27 pm
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I received the VISDSNB and after much reading, I know it was when I signed up for my Macy's card ... both of which I'm going to cancel.
My first question is what is FIA CSNA?
My second question is are you penalized (credit score) for canceling credit cards that have a zero balance and you no longer use?
Thanks! |
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Stevie
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Subject: VISDSNB
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Tue Mar 06, 2007 7:00 pm
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FIA CSNA is the credit card unit of the Bank of America. If you want to know more about FIA card service, you can visit the link FIA CSNA
VIS DSNB account is attached to your Macy's charge. Evidently when you apply for a Macy's charge card you automatically get a Macy's VISA too. Surprise Surprise. To close just the VISA account, call Macy's credit department and give them your Macy's charge account number and they can find the VISA account from there and just close it. Here is the number: 1-866-282-8697 (they will trasfer you). Hope this is helpful. Thanks to those who wrote and said this was connected with the Macy's account. It put me on the right track. |
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John
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Subject: VISDSNB
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Thu Apr 05, 2007 3:03 am
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| Same thing here. I was so glad this came up when I did a search tonight. My boyfriend and I are going thru his credit report and finding that his ex wife from 2 years ago opened an account after the divorce and it is on his credit. well it was showing up as Macy's being a 0 balance, but then had this VISDSNB under it with a large balance. I'm so glad we found this b/c we are searching everywhere trying to figure out what it could be. Thanks so much for posting this info. that's crazy that this company can just list themselves w/initials, no name or contact information. that's absurd. Thanks for all the advice though. |
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Jenny
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Subject: FIA Card Services
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Tue Aug 07, 2007 5:14 pm
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| FIACS used to be MBNA. MBNA used to handle a lot of accounts for banks and credit unions. After MBNA merged with Bank Of America, accounts having to do with another financial institution that belongs to Bank Of America would go under FIACS so the bank may keep their business with the other financial institutes. |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Wed Aug 08, 2007 5:41 am
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Thanks a lot for the information Jenny.
_________________
Regards,
Laura. |
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Barbara masone
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Subject: VISDSNB
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Sat Sep 08, 2007 8:14 pm
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what does VISDSNB stand for
please let me know?? |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Mon Sep 10, 2007 5:21 am
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This is a VISA thrown in with MACY's express application. Check with your card issuer.
_________________
Regards,
Laura. |
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Boone
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Subject: VISDSNB
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Tue Nov 20, 2007 7:42 pm
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| Thanks so much for the information! I greatly appreciate it! |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Wed Nov 21, 2007 7:26 am
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Hi Boone,
Its great to hear that you found the information useful.
_________________
Regards,
Laura. |
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Ena23
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Subject: VISDSNB
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Thu Dec 13, 2007 10:35 pm
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| VISDSNB stands for Visa Departmental Store National Bank. If it appears in your credit report, it means that you must has a debt on a credit card applied through VISDSNB. |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1400
34749 Magic Points
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Fri Dec 14, 2007 7:37 am
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Hi Ena,
it will be great to see you on the forum 
_________________
Regards,
Laura. |
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lisa
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Subject: stevie
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Fri Jan 11, 2008 2:21 am
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thanks for the phone # macy's visdsnb
would you happen to have the billing address or is the same as the reg macy's billing? |
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Credit Guru
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Subject: Do Not close these credit cards
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Tue Feb 05, 2008 7:56 pm
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| Your credit scores will drop when you close the credit cards. Closed cards are worth nothing. Good accounts are worth anywhere from 20-60 points. Closing a good credit card is like credit suicide. It would be like pulling spark plus from your cards engine and wondering why you aren't driving as fast. Get educated. Don't listen to your peers, listen to somebody who actually know what they are talking about. |
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