National City has distroyed my credit with a line of credit that I never used with them. I had applied for a line of credit but after finding out how high the interest rates were I cancelled my application. Ever credit report after that application shows a unpaid balance to National City for that line of credit. I have talked to the Coldwater Michigan National City Bank were I applied and they charge me penalty charge and claimed to have cancelled this line of credit but it always shows back up on my credit report the next month.
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