Request to re-open account was denied because of medical collection!

Bill has a very good response. Check with your local credit union(s)
and compare these to the banks in your area. Most times they are more
lenient and will give you a debit card or a secured credit card.
Also try a local bank...some are still around and have not been sucked
up by the bigger national banks.

About 5 years ago I had a similar issue with Citibank. I had to quit
my job due to a car accident that severely injured me. I could no
longer do the same type of work and had to look for a less physical
job. In the meantime I became 60 days late on my Citibank card- it did
not go to collections. After the 60 days, not only did I make a
payment, but I paid the card in full.This was the only time that I had
ever been late. They would not open my account back up. They told me
to ask again in 6 months. After the 6 month time period I didn't
bother to ask them to re-open it. I have since had no bad credit, I've
never had a collection on my report and my score sits in the 700's. I
recently (5 years LATER) applied for a Citibank card and they denied
it, stating that their reason was because I'd had problems with my
past Citibank account. Citibank doesn't seem to like to give people
second chances for any reason. It may be time to try a different bank
because I don't see you getting anywhere with them any time soon.

Russell C. H.,

From what you write I assume that you are still paying on this debt.

I think the most you can expect is once you get done paying it off you
could re-apply.

In the mean time applying for a Secured Credit Card might be an
approach to starting to fix your credit moving forward.

BillR.

Some things are not covered by health insurance. The anesthesiologist
charged me $1100 just for the fact that he took 5 minutes to do the
injection to put me to sleep...(this is separate from the $15,000 bill
just for the surgery itself...doesn't include MRI and therapy, etc.).
Although my insurance covered a lot of my surgery bill, I was still
left with a lot of money to pay (at the time, I was still finishing my
Bachelors and my paid-internship wouldn't pay for the time I was out
of work).

Wouldn't you say that the amount they charge for their services is a
bit ridiculous? In this economy, especially if you're a student, would
you have money set aside to pay for a surgery????

ESPECIALLY in this economy. You just never know what could happen.
Good luck!

The anesthesiologist does a lot more than just give you an injection
to put you to sleep. They take pre op info, put you to sleep,
intubate you if necessary and stay in the OR during the operation.
They are the ones that monitor your vitals during surgery and give you
more medication if needed. If many cases, the anesthesiologist is
also in charge of your post op pain management.

I speak from experience. I've had 8 surgeries on my legs and 3 other
surgeries. That $1100 pays for a lot more than just a shot.

I broke my ankle eight or so years ago. The surgery was $12,000,.,,,
I think I was supposed to pay about $2400 out of pocket.

I worked for Aetna....I read my policy. It clearly stated that
ACCIDENTS ARE 100% covered after the $50 deductible for ER.

I ended up paying $50 PERIOD.

My DH had shoulder surgery and his out of pocket for the
anesthesiologist was about $500....I settled with them, in cash for
50%.

It IS tough, especially for someone just getting started. I agree
with you about costs....$25 for a tylenol is NUTS.

As I said previously...forget Citi....a credit union is the way to
go., especially NFCU if you can get in.