They DID NOT do tge work they were contracted to do, plus there us no signature of mine on the contract!!! iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. we only use amazon or paypal or medical insurance selling to health professionals. I went through all my credit card statements and finally figured out it was an autopay for a USBank issued credit card for REI. More banks may want ot offer such a service to their customers to help prevent fraud which costs us all. I even cancelled service, they still received money from my bank account. Cardmember service team. The bank released the statement: "At U.S. Bank, we . 2023 Elan Financial Services | Security Standards. SCOTTSDALE, AZ Ideally, we'd like banks to catch identity thieves who try to open credit in our names before they open it. or have you heard of scammers impersonating businesses and using contact info the rip people off? Learn more. I have several withdrawals from my account. I called the number and gave them my social and they found nothing about me and said I should report it as fraud to my bank. Happy to report the details and thank you for now I do not feel alone. * You wont be liable for fraudulent purchases when your card is lost or stolen. Learn more about what to do if you suspect thats the case. Question everything you get from unknown sources. Please note that the third party site may have privacy and information security policies that differ from those of card.creditcard.acg.aaa.com. Federal government websites often end in .gov or .mil. Get your monthly statement electronically. The mobile app is a free service to Bank Forwards debit card holders. *Elan Financial Services provides zero fraud liability for unauthorized transactions. Good idea to partner with AARP. Cash withdrawals are also available without a surcharge on MoneyPass Network ATMs. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Collect: 701-461-1502 I keep up with my accounts and when I found the CARDMEMBER SERV WEB PYMT on my bank account, I did not see any reference to a merchant. Please note that the third party site may have privacy and information security policies that differ from those of Elan Financial Services. I never have to pay for a credit card. Two months ago a check was written on my account it was for the exactly what my payment was for allied cash. Debbie Millane Fake calls from Apple and Amazon support: What you need to know, The Google Voice scam: How this verification code scam works and how to avoid it, Show/hide Shopping and Donating menu items, Show/hide Credit, Loans, and Debt menu items, Show/hide Jobs and Making Money menu items, Money-Making Opportunities and Investments, Show/hide Unwanted Calls, Emails, and Texts menu items, Show/hide Identity Theft and Online Security menu items, Usually, when I pay with a check, I write it out and sign it, or I direct my bank to send it on my behalf. But what if you didnt? If you were mistakenly added as an authorized user, you should be able to call the credit card issuer to ask it to remove you as an authorized user. . It may help remind you of the purchase. I have no idea what is this is for it has been going on for sometime. American Express is a federally registered service mark of American Express and is used by Elan Financial Services pursuant to license. The creditor andissuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. Did you know digital payments and chip technology use an added layer of security? Cardmember Support - Elan Financial Services The use of technologies, such as cookies, constitutes a share or sale of personal information under the California Privacy Rights Act. From automatic bill pay, to cash advances and more, learn about all the extra features your card provides. That's why we provide features like your Approval Odds and savings estimates. i am having the same issues so whodid you report it too. Look for a line that says something like, The creditor and issuer of these Cards is Elan Financial Services.. Yesterday recived call from USS Mediation trying to get $$ from me for someone in my household being sued.This is fraud ,they gave a case number , I hope this was a help. Questions requiring a reply can be sent from the contact link at the top of this page. In reply to Due to a catastrophic divorce by Knika1marble2. I was applying for jobs and posted a resume on a few job search websites. 1 0 obj <>/Metadata 514 0 R/Pages 2 0 R/StructTreeRoot 52 0 R/Type/Catalog>> endobj 514 0 obj <>stream They no longer read the magazine or want it but are being charged for it and they find it difficult to stop it. Now, if youd already agreed to the charges, theres no problem. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the Cardmember Agreement and applicable law. If youve done some digging and you still dont recognize the account, its possible that someone fraudulently used your identity to apply. Card Benefits | Visa Business Company Card - My Account Access See more Enroll now. CARDMEMBER SERV WEB PYMT Reviews - vCharges I don't recognize this card and can't find it among my current working cards. Phone call: Cardmember Service at 800-285-8585. U.S. Bank Cash+ Visa | Program Rules Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! Still not sure? We believe in the commitment to seek out and provide financial and insurance solutions for tomorrow, not just for today. Take control with a free credit score1 check, annual account summary, Spend Analysis and more. doesn't give me an opt-out from auto-pay If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement. Forgot Password? of 5911111111. This material may not be published, broadcast, rewritten, or redistributed. HI, i keep getting calls from individuals stating my company has charged there card. Little did I know the check I deposited was FRAUDULENT but because i signed the back of out my bank is telling memI authorized the transaction. Each call is answered using your financial institution's name to build trust and loyalty with your customers . James. Watch this two-minute video to learn more. $659! Online Statements Online Statements Whether you are tracking your activity or searching your Online Statement, it is all in one convenient, safe place. If so, have you contacted the merchant via the contact information displayed on the electronic receipt directly? Visit our Seller Community and speak with other Square Sellers to find the answer you need. So we contacted the bank directly. I discovered that I had significant charges to my bank account based upon some trial software. Review your bank account and credit card statements carefully. If you don't have a Visa, you say it doesn't apply to you." We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Purchase fee $9.95. All transaction details are listed on your account statement for easy record keeping. When your card is off, no withdrawals or purchases will be approved. Note: If you included a tip on a sale with a merchant using Square, you may see the sale mentioned twice on your bank statement. Legitimate companies are doing the above, aaaarrrggggggg! Visa prepaid cards are issued by MetaBank N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Subject to the Program rules, you may . Thank You, Deanna, APL* ITUNES.COM/BILL 866-712-7753 , CA MCI. If its still there, you can dispute the inaccuracy with each bureau. I've received the call about 3 times now and know it's a scam so I just hang up now. This will keep your account in good standing. Phone: 800-285-8585 We accept relay calls! Enroll now Open Transcript Reasons to choose paperless: Convenient Choose when to manage and check on your statements. I don't recognize this "WEB PYMT CARDMEMBER SERV WEB COMPANY ID 5911111111 . The man who we spoke to said he worked for US Bank's fraud department. A Visa Gift Card is the ideal choice because it is: Visa Gift Cards are perfect for any occasion. I had Back surgery on Jan 6 so I am now getting over drafts from a few things. Originally I could not recognize this charged. The phone number is invalid. The MoneyPass Network offers thousands of surcharge-free ATMs across the nation for your convenience. I want my money back this seems to be a scam of some sorts. I will be passing this along. Thank you for this information please convey this information to AARP or to seniors via Medicare/ Social Security. Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. You can contact us 24/7 with questions. If there is fraud, we work with them to resolve the issue.". One of those scams was 8 Figure Dream Lifestyle, which touted a proven business model and told Scammers are calling people and using the names of two companies everyone knows, Apple and Amazon, to rip people off. Image: A man with gray hair researches how to freeze your credit, Image: Pensive female working at desk in home office, Image: Illustration of a woman on a park bench. Square Tax Reporting and Form 1099-K Overview. Have you heard about it? Give Light and the People Will Find Their Own Way. . Elan Financial Services provides credit card programs for 1,400 banks and other financial institutions, such as , To figure out if your credit card was issued by Elan Financial Services on behalf of the bank or credit union where you applied for it, check out the cards terms and conditions. Check your statements, get account alerts, set up auto pay and more. Plus, you can choose from a variety of card designs! The only info they had was company Id# 59111111111, Swartz who is this card service and will we be payed back the money they took from us without our concent, Swartz we have no knowledge of the cardmember service 9511111111ppd elec pymt for 75.oo 155.00 and two(2)for 40.00. Muy interesante el artculo de hoy. This is good information. This's used by U.S. Bank or its Elan Financial Services subsidiary when you make a credit card payment. Personal Banking > Debit, Credit & Prepaid Cards. If you still dont recognize the charge, take a moment to look up the Square receipt. Can you remove hard inquiries from your credit reports? Please call Member Support at 833-675-0553 or email legal@creditkarma.com or mail at Credit Karma, LLC, P.O. I did go through the merchant accounts for which I have auto-pays and found the charge to be an auto pay for a US Bank account. Lost/stolen replacement card fee of $5. Thanks, we'll work on improving this article. 7 Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. All Rights Reserved. To reach Cardmember Service via email, login to your account and click on Messages. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesnt affect. My advice? endstream endobj 2 0 obj <> endobj 52 0 obj <> endobj 54 0 obj <> endobj 53 0 obj <> endobj 60 0 obj [59 0 R 62 0 R 65 0 R 66 0 R 67 0 R 70 0 R 71 0 R 72 0 R 73 0 R 76 0 R 77 0 R 80 0 R 81 0 R 83 0 R 84 0 R 88 0 R 89 0 R 93 0 R 94 0 R 97 0 R 98 0 R 101 0 R 102 0 R 104 0 R 105 0 R 106 0 R 107 0 R 108 0 R 111 0 R 112 0 R 115 0 R 116 0 R 118 0 R 119 0 R 120 0 R 121 0 R 122 0 R 125 0 R 127 0 R 128 0 R 131 0 R 132 0 R 134 0 R 135 0 R 138 0 R 139 0 R 141 0 R 142 0 R 145 0 R 146 0 R 147 0 R 149 0 R 150 0 R 151 0 R 154 0 R 156 0 R 157 0 R 158 0 R 159 0 R 164 0 R 166 0 R 167 0 R 172 0 R 174 0 R 175 0 R 178 0 R 179 0 R 184 0 R 186 0 R 187 0 R 192 0 R 194 0 R 195 0 R 200 0 R 202 0 R 203 0 R 208 0 R 210 0 R 211 0 R] endobj 218 0 obj [217 0 R 220 0 R 221 0 R 226 0 R 228 0 R 229 0 R 234 0 R 236 0 R 237 0 R 240 0 R 242 0 R 243 0 R 248 0 R 250 0 R 251 0 R 256 0 R 258 0 R 259 0 R 260 0 R 261 0 R 262 0 R 263 0 R 264 0 R 265 0 R 266 0 R 267 0 R 268 0 R 269 0 R 270 0 R 271 0 R 272 0 R 273 0 R 274 0 R 275 0 R 276 0 R 277 0 R 278 0 R 279 0 R 280 0 R 281 0 R 282 0 R 283 0 R 284 0 R 285 0 R 286 0 R 287 0 R 288 0 R 289 0 R 290 0 R 291 0 R] endobj 293 0 obj [292 0 R 294 0 R 295 0 R 296 0 R 297 0 R 298 0 R 299 0 R 300 0 R 301 0 R 302 0 R 303 0 R 304 0 R 305 0 R 306 0 R 307 0 R 308 0 R 309 0 R 310 0 R 311 0 R 312 0 R 313 0 R 314 0 R 315 0 R 316 0 R 317 0 R 318 0 R 319 0 R 320 0 R 321 0 R 322 0 R 323 0 R 324 0 R] endobj 326 0 obj [325 0 R 327 0 R 328 0 R 329 0 R 330 0 R 331 0 R 332 0 R 333 0 R 334 0 R 335 0 R 336 0 R 337 0 R 338 0 R 339 0 R 340 0 R 341 0 R 342 0 R 343 0 R 344 0 R 345 0 R 346 0 R 347 0 R 348 0 R 349 0 R 350 0 R 351 0 R 352 0 R 353 0 R 354 0 R 355 0 R 356 0 R] endobj 358 0 obj [357 0 R 359 0 R 360 0 R 361 0 R 362 0 R 363 0 R 364 0 R 365 0 R 366 0 R 367 0 R 368 0 R 369 0 R 370 0 R 371 0 R 372 0 R 373 0 R 374 0 R 375 0 R 376 0 R 377 0 R 378 0 R 379 0 R 380 0 R 381 0 R 382 0 R 383 0 R 384 0 R 385 0 R 386 0 R 387 0 R 388 0 R 389 0 R 390 0 R 391 0 R 392 0 R 393 0 R 394 0 R 395 0 R 396 0 R 397 0 R 398 0 R 399 0 R 400 0 R] endobj 402 0 obj [401 0 R 403 0 R 404 0 R 405 0 R 406 0 R 407 0 R 408 0 R 409 0 R 410 0 R 411 0 R 412 0 R 413 0 R 414 0 R 415 0 R 416 0 R 417 0 R 418 0 R 419 0 R 420 0 R 421 0 R 422 0 R 423 0 R 424 0 R 425 0 R 426 0 R 427 0 R 428 0 R 429 0 R 430 0 R 431 0 R 432 0 R 433 0 R 434 0 R 435 0 R 436 0 R 437 0 R 440 0 R 442 0 R 444 0 R 445 0 R 446 0 R 449 0 R 451 0 R] endobj 453 0 obj [452 0 R 454 0 R 455 0 R 456 0 R 457 0 R 460 0 R 462 0 R 464 0 R 466 0 R 467 0 R 468 0 R 469 0 R 470 0 R 473 0 R 475 0 R 476 0 R 477 0 R 478 0 R 479 0 R 480 0 R 481 0 R 482 0 R 483 0 R 484 0 R 485 0 R 486 0 R 487 0 R 488 0 R 489 0 R 490 0 R 491 0 R] endobj 452 0 obj <> endobj 454 0 obj <> endobj 455 0 obj <> endobj 456 0 obj <> endobj 457 0 obj <> endobj 460 0 obj <> endobj 462 0 obj <> endobj 464 0 obj <> endobj 466 0 obj <> endobj 467 0 obj <> endobj 468 0 obj <> endobj 469 0 obj <> endobj 470 0 obj <> endobj 473 0 obj <> endobj 475 0 obj <> endobj 476 0 obj <> endobj 477 0 obj <> endobj 478 0 obj <> endobj 479 0 obj <> endobj 480 0 obj <> endobj 481 0 obj <> endobj 482 0 obj <> endobj 483 0 obj <> endobj 484 0 obj <> endobj 485 0 obj <> endobj 486 0 obj <> endobj 487 0 obj <> endobj 488 0 obj <> endobj 489 0 obj <> endobj 490 0 obj <> endobj 491 0 obj <> endobj 55 0 obj <> endobj 49 0 obj <>/MediaBox[0 0 612 792]/Parent 2 0 R/Resources<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/StructParents 6/Tabs/S/Type/Page>> endobj 50 0 obj <>stream Box 6294 Carol Stream, IL 60197-6294. If you want specific benefits terms and conditions, click for the complete Guide to Benefits. For example, if they were to miss a payment, that could hurt your credit. You can redeem rewards as a statement credit applied to your account balance. It's the bank credit card payment (autopay) , Follow our helpful tips and know what to look for when criminals try to steal your personal information and use your identity as their own. I feel I need to stop everything but these days, life is done online for most things. There are a few areas of your credit report where you might see Elan Financial Services heres why. Fortunately the bank intercepted the check before it was deposited into my account. Youve probably heard: this holiday season, it might be harder to find the gifts youre looking for. Indeed, 2### matches the last four digits of my card, and the payments matched the statements. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). A hard inquiry can have a small negative impact on your credit scores and can show up on your credit reports for up to two years. Share this blog to people you know so they can be alert to these type of situations, too. A card member an industry term for an individual to whom a card is issued, or who is authorized to use an issued card. So I hate to think of what the scam companies are doing. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Cooperstown ND 58425 Unanswered. Mail: Cardmember Service P.O. It looks like the days of over-the-top service on cruise ships are coming to an end at least on mass-market vessels. By fax: All we need is the fax number to send them to and you should receive them within two business days. Learn about getting and using credit, borrowing money, and managing debt. This is most distressing. For overnight mail, send your payment to: Chase Card Services. Your report helps us stop fraud. Card Benefits - My Account Access Box 30963, Oakland, CA 94604, Image: Young woman on cellphone, looking up elan financial on her credit reports, Image: A woman sits on her living room floor and researches on her laptop how to remove a hard inquiry. I didn't know the phone number it was for a flower shop in kentucky.rported it to my bank and got money back Alliedcash had more than me hacked made no effort to help me. Copyright 2019 Scripps Media, Inc. All rights reserved. How reliable is PayPal? Questions about your statement or payments; Reporting a lost or stolen card; Call Us. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. I know they're going to try to get money from me if I call the number they leave. So, is it a scam or not? After that, youll earn unlimited cash back in the standard 2% category.1. Once youre removed and the issuer has reported the change to the credit bureaus, you shouldnt see the account listed anymore. They returned all as a REFUND as I had made a mistake; accidently overpaid. In this Agreement, "you", "your" and "Cardmember" means each individual accepting a solicitation or applying for the In reply to Good idea to partner with by Geoffstante. If the, doTERRA distributors charged with making unfounded COVID-19 cure claims, Tenant screening practices: the FTC wants to learn more. Credit Card Payments | Credit Card Resource Center | Chase.com Did you sign for the purchase with your finger on a mobile device? The comments posted on this blog become part of the public domain. It shows on my account on 2/22/16 as a withdraw and where it was from. I want to know what website is that I was charge $96.17 and taken out of my checking account don't know where come from who it is can you let me know send me an email or text . Simply activate your card for this service in one of these ways: Visa is a registered trademark of Visa International Services Association. 3Lost/stolen replacement card fee of $5. The Best Way to Handle 'Card Member Services' Calls - Ohio Attorney Contacted my credit union had stop payment placed. A soft inquiry doesnt affect your credit scores. Keep records of all cards along with the phone numbers of each issuer. De1-0153. Welcome to U.S. Bank | State Farm resources for customers Bank Forward drive-up lane, 802 Burrel Ave SW There is no phone # in this card membership payment website. With your emails, I have been kept up to date. The defendants had websites and made telemarketing calls that offered short-term loans and cash advances to people with bad credit. In search of a safe, secure alternative to travelers checks and cash while on vacation? You could sign up for scam alerts to stay informed about new frauds, or report fraud to the FTC. Heres what you need to know about these calls. Proceeded to pay ONLY that amount. GKi6O]ptY_** S1x}eQc]UfJVT1Smw[e( a,;nl)gvDwaw!R Dyhh3';+y4; @13:Ag Bemidji MN 56601 If youve been checking your credit reports regularly, dont have any new credit cards and still dont recognize an account, theres a chance that one of your existing accounts was purchased by another bank or company. I have a few friends that have done "mystery shopping " in the past and when i received the info from them it al sounded pretty legit. Make smart shopping decisions, know your rights, and solve problems when you shop or donate to charity. We focus on tax services so you can focus on growing your business. Yes, we work with many organizations to try to spread the word to this community and others. A comparison of the address and phone number listed on the letter and those listed on US Bank's website are similar, but they are off by at least one digit. Contact 24-hour Cardmember Services with any questions about your card. Bank Forward drive-up lane, 484 Main St I NEED TO FIND OUT WHO IS TAKING 170.00 A MONTH OUT OF MY CHECKING EVERY MONTH. PDF PLEASE NOTE that this information is provided for general information The MoneyPass Network offers over 25,000 surcharge-free ATMs across the nation for your convenience. Our dedicated customer service representatives are available 24/7/365. No need to use cash or checks! The charge CARDMEMBER SERV WEB PYMT was first reported Jan 4, 2014. Bank Forward drive-up lane, 400 2nd Ave SW Learn more about what to do if you spot an unauthorized hard inquiry. They did not respond, thereby I placed a stop order, with my bank. 2018-01-24T10:04:59-06:00 Bank Forward drive-up lane, 5650 37th Ave S Credit card customer service | U.S. Bank Our detailed credit card customer service information will help you get the answers you need online. USING YOUR CARD I don't even know what is this charge for. To submit a business card dispute, please call the number on the back of your card or write us at: Customer Service, P.O. I would like to know what this is for. Account Servicing | Credit Card Resource Center | Chase.com Compensation may factor into how and where products appear on our platform (and in what order). Tell your bank or credit card company immediately if you see a check or charge you dont recognize. The MoneyPass Network offers thousands of surcharge-free ATMs across the nation for your convenience. Anyone with AHP, REPORT! The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. I thought my card had been stolenturned out to be US Bank credit card payment . Technology is destroying usgood luck. The bank said they were from China.Had to get a new debit card and the bank reversed the charges and investigated on their own.That $350 was part of my bill money!! Annual cash back value of $600, plus $100 cash back offer value of $100, plus introductory 4% cash back value of $120, equals first-year cash back value of $820. Do my points expire? Protect what matters most. Card member definition | Glossary | CreditCards.com You have financial goals, some for today, some for tomorrow. Opinions in comments that appear in this blog belong to the individuals who expressed them. We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. If you want to help spread out the word to older Americans, check out the FTC campaign Pass it On. US BANK appears on statement as AW CARDMEMBER SERVICE WEB PAYMENT Earn interest on the money in your secured savings account. Buyers can purchase from merchants using Square to process credit cards in person, over the phone, or through Square Online. ForgotPassword? If you dont recognize the charge from the description, you can look up the Square purchase using our transaction search. I don't like to put any Internet services (been bit here) nor magazines, etc on auto-pay, because they are too hard to keep track of. Visa prepaid cards are issued by MetaBank National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Use Visa Travel Card anywhere Visa debit cards are accepted. Fora positivebuyer experience online, we recommend the following tips: Take advantage of the note field in your shopping cartto communicate anything you would like the seller to know. Tell your bank or credit card company immediately, if you see a check or charge you dont recognize. Earn 4% cash back on qualifying AAA purchases, travel and insurance for the first 6 months up to $6,000. This is a cardmember agreement and disclosure statement ("Agreement") between you and the Issuer containing the terms that will apply to your Credit Card Account ("Account") effective December 31, 2017. It can happen if someone has your bank account number: they can use your number to create a check that takes money out of your account. The possibilities are endless! Read on to learn more. When your card is off, no withdrawals or purchases will be approved. Just present your chip-enabled debit card wherever Visa is accepted. To find an ATM near you, visit the MoneyPass Network site and search by address or zip code. It has been reported but their response was I made a mistake, accidently and refunded the full amount at my request. So, many of us might be looking for alternatives, like buying gifts locally or maybe from online marketplaces or sites you find through your social media accounts, online ads, or by searching Youve opened all your gifts, and now its time to open those post-holiday credit card statements. In reply to Too bad the companies that by Dutchess, In reply to I am curious to know what is by ET. For more information on how the FTC handles information that we collect, please read our privacy policy. Learn more about steps to take after identity theft. of U S BANK ASSC. You might like to talk with a credit counselor about your finances. Keep it coming to Me ! Continue to my debit information, paid, confirmation thank you to learn they took the entire balance without my authorization. thanks again. Debit CARDMEMBER SERV CHKCARD CARDMEMBER SERV Similar Charges CARDLINTHES 402935-7733 CA CARD MARKET EASTLEIGH CM EASTLEIGH Card Member Benefit: Fee Credit CARDMEMBER SERV CARDMEMBER SERV ELECT PYMT CARDMEMBER SERVIC ************80 Cardmember service, Web.PYMT This is what my bank shows: 10/15/2015 ACH Debit CARDMEMBER SERV WEB PYMT ***********6079 WEB ID: 5911111111 $57.65 They are awfulstick to Target, HSN, MACYS, etctrusted companies. AAA Credit Card | Home Instead, she checked her credit reports and found there were no alerts about a new account on her credit and she didn't want to call and give them a chance to get more information about her. Visa Debit and Credit Cards | Bank Forward Tips for paying a credit card bill. We think it's important for you to understand how we make money. This is important information for all of us. Sad to be scammed. They also took 500 from my checking acct!!! To protect your privacy and the privacy of other people, please do not include personal information. Your transactions will be completed quickly and safely, with a password that only you know. Less clutter. I never applied for a fidality anything.