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Closed due to inactivity

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drsmith
Frequent Contributor

Closed due to inactivity

It hasn't happened to me yet, but I've only used my crap one card once in the last year. 

 

Do many companies do this? I'm only concerned because it's my oldest line. 


Starting Score: 703
Current Score: EQ 820 4/11/16
Goal Score: 800


Take the FICO Fitness Challenge
Message 1 of 13
12 REPLIES 12
timmis1127
Regular Contributor

Re: Closed due to inactivity


@drsmith wrote:

It hasn't happened to me yet, but I've only used my crap one card once in the last year. 

 

Do many companies do this? I'm only concerned because it's my oldest line. 


Yes, it has happened to me on numerous cards...

 

It happened to my best buy card, Dell Financial Account, Paypal

Message 2 of 13
drsmith
Frequent Contributor

Re: Closed due to inactivity

Hmmm

 

Guess I'll need to make a purchase with it 


Starting Score: 703
Current Score: EQ 820 4/11/16
Goal Score: 800


Take the FICO Fitness Challenge
Message 3 of 13
timmis1127
Regular Contributor

Re: Closed due to inactivity

Yeah, maybe buy lunch with it once a month just to keep it active.

Message 4 of 13
drsmith
Frequent Contributor

Re: Closed due to inactivity

Once a month!

 

I think I'd rather have them close it


Starting Score: 703
Current Score: EQ 820 4/11/16
Goal Score: 800


Take the FICO Fitness Challenge
Message 5 of 13
MarineVietVet
Moderator Emeritus

Re: Closed due to inactivity


@drsmith wrote:

Hmmm

 

Guess I'll need to make a purchase with it 


I use most of my cards to autopay small, recurring monthly expenses. That way the cards show activity and I don't have to think about it. 

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

 

 

 


 

Message 6 of 13
timmis1127
Regular Contributor

Re: Closed due to inactivity


@MarineVietVet wrote:

@drsmith wrote:

Hmmm

 

Guess I'll need to make a purchase with it 


I use most of my cards to autopay small, recurring monthly expenses. That way the cards show activity and I don't have to think about it. 

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

 

 

 


 


+1

Message 7 of 13
SoulMaster
Established Contributor

Re: Closed due to inactivity


@timmis1127 wrote:

@MarineVietVet wrote:

@drsmith wrote:

Hmmm

 

Guess I'll need to make a purchase with it 


I use most of my cards to autopay small, recurring monthly expenses. That way the cards show activity and I don't have to think about it. 

 

 


+1


+2

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
Message 8 of 13
pizzadude
Credit Mentor

Re: Closed due to inactivity

 

I try to charge something a minimum of once every three months on cards that I don't want to be closed out for inactivity.   

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 9 of 13
LilloEsquilo
Contributor

Re: Closed due to inactivity

I"m just personally not comfortable with autopay. I want control of who gets paid what when. What if fhere is a mistake in a bill and it drains my account and things bounce?

 

It's not that hard to fill your tank with a different card each time, or use different ones for groceries so they get some use.

FICOS 2/2012 EQ: 763 TU: 761 EX: 746 (1/2012 EX)
Cards: Associated Bank Visa 9000, Paypal Mastercard 3000, Amazon Store card 1100, Barclays Apple Financing 2500, Cap One Rewards Mastercard 3000
Message 10 of 13
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