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Ask Dave

Do I Need Proof?

Written proof that a credit card is paid off is not necessary, Dave says. Just be wary of collectors who will lie or try to trick you.

QUESTION: Listener asks if he needs written proof that his credit card is paid off. He’s never been behind on it or had it sent to collections.

ANSWER: You don’t need to have written proof. You only need that when you are past due and have collectors after you. The problem with collections is that you are dealing with scum. They will lie to you and trick you. In your case, you paid it off in full and it’s done.