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Credit Card Insurance

Credit card insurance is an insurance that a person can take on their credit card in the event that they are unable to pay off the debt owed on the card. There are many types of credit card insurance that exist to suit the needs and obligations of different kinds of people. These include life insurance, disability insurance, involuntary unemployment insurance and property insurance. Listed below are a few questions answered by the Experts on credit card insurance related issues.

What can a person do if they cannot pay the principal amount due on their credit card but has credit card insurance that makes minimum payments on a monthly basis?

If the credit card insurance is only making the minimum payment due, the person is likely to have a growing interest and liability on the principle amount. However, it is better to study the policy again for its terms and conditions. If the person has no assets to fall back on, they could consider filing bankruptcy to discharge the debt.

What would happen if a person who is 100% disabled does not pay the $10,000 that they owe in credit card debt after the credit card insurance period runs out?

Case details: Payments were waived for a two year period that has now expired. If the waiver period has come to an end, the person could first try and negotiate with the insurance company to check if they could further extend the time given for the repayment of the debt. If they cannot give the person more time, the person might have to face harassing phone calls from the credit card company wanting payment. The company could also try and sue the person in court. But if the person is on disability income that is generated from state and federal aid payments, that income cannot be garnished. When the suit is filed, the person can demand for an original copy of the credit agreement. If the company does not produce this, as is the case most of the time, the person may be able to get the suit dismissed on the basis that the contract is inadmissible.

If an employee misused a company credit card and then agreed to pay the amount back, can the employer file a police report through their credit card insurance?

In most cases, if the employee has permission to use the credit card, it is unlikely that the police will file a report against the person. The employer would need to take the matter to court as a civil case since the employee lawfully possessed the card. The employee may also want to consider returning the items they bought with the credit card to pay back some of the debt or sell what can’t be taken back and give all the money to the employer. Either way, the employee would need to reassure the employer that they will do all they can to return the money.

A person who lived in the State of Illinois used credit card insurance to make his monthly payments. Ten years later, they are being pursued for credit card debt. What would the statute of limitations be on this?

In the State of Illinois, the statute of limitations for an open account is 5 years. If the person has not made a payment in the past 5 years, the statute of limitations would have run out. The person would then need to write to the credit card company and ask for a copy of any payments made within the past 5 years. If there are none, the person can inform the company that the statute of limitations has expired and they will be reported for violating the Fair Debt Collections Practice Act if they continue with the harassment. Credit card insurance has many benefits.

While the questions above may have clarified some of your doubts on the issue, there may be others that you have that pertain to your case. These questions could range from anything as basic as how does credit card insurance work to understanding the different kinds of insurance available and how they may benefit your specific situation. Whatever your query, direct it to Experts who can offer professional insights and opinions at an affordable cost.

Ask a Lawyer

Tina
Tina, Lawyer
Category: General
Satisfied Customers: 8603
Experience:  JD, BBA Over 25 years legal and business experience.
4460311
Type Your Legal Question Here...
characters left:
11 Lawyers are Online Now

How JustAnswer Works:

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    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
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    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Lawyers are online & ready to help you now

Tina
Lawyer
Satisfied Customers: 8436
JD, BBA Over 25 years legal and business experience.
Ely
Counselor at Law
Satisfied Customers: 19941
Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
FiveStarLaw
Attorney
Satisfied Customers: 8189
25 years of experience helping people like you.

Recent Credit Card Insurance Questions

  • I was recently the victim of credit card skimming. A vendor

    I was recently the victim of credit card skimming. A vendor I used, copied and then used my account to amass almost $20,000 worth of fraudulent charges on my account. The bank has agreed to temporarily issue credits, but I want to know if I can sue this company for fraud. It is a small business with almost no employees (one at the maximum). The person who helped me when I shopped there was the owner. The majority of the fraudulent charges were for the business in question, but they also made some purchases from other businesses and had items shipped to their address. I have copies of these fraudulent receipts showing this. Does this help me prove fraud? Can I sue for more than material damages? What is the likelihood I can find a lawyer to take this case?
  • NH resident. In the summer of 2011 I requested a local company

    NH resident. In the summer of 2011 I requested a local company to service my septic system. I was not at all happy with the service and after receiving their invoice I sent them a letter on Sep. 22, 2011 stating my case and asking hem to reconsider their charges and to reissue a new invoice. I have not heard anything from them until 12/15/2014, when a "lawyer" called and said I owed $694 and if I didn't pay my credit rating could be affected. I am still willing to negotiate this, but wonder if the statute of limitations in NH has ex-spired? The lawyer said he was sending the "file" to me but nothing received to date.
  • Hi Ely, I work with seniors in ny in healthcare. One of

    Hi Ely,
    I work with seniors in ny in healthcare. One of my members, over 70 year old person was fired by the employer after 15+years of work in the practice. He claims that she quit to deny unemployment benefit. He states that she was recorded by another employee venting about the job. So he terminated her. Is it legal for one employee to harass and bully another then record the response? She never said she quit. I feel bad for her. She can't afford a lawyer but she has to learn about the rules before her hearing (unemployment).
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