I had subscribed to
NY Times during an introductory offer with a
Virtual Shopsafe credit card. I didn't increase the limit on my credit card and after the first month, my subscription became delinquent.
NY Times continued to deliver the newspaper for a couple of months before finally cancelling the subscription and sending me an overdue notice. The notice threatened passing of the charges to collections.
I saw a similar article here and decided that it wasn't worth getting my credit score dented over a small amount and promptly called them over the phone, created another
Shopsafe card and paid the overdues, I also confirmed with the customer service to make sure that the subscription stayed cancelled and the matter not being forwarded to collections.
Given all this I'm still curious to know if I could have gotten away without my score being hit as I was using a virtual card. Is that the case?
If not, would the situation have been better if I'd have gotten a prepaid visa card to start the membership?