Re: Credit Card Inactivity!

Anonymous · ‎01-25-2015

If you actually care about keeping the cards then throw something on there periodically. If you dont care then let them die gracefully. Or product change them to something useful.

Anonymous · ‎01-25-2015

@Anonymous wrote:
If you actually care about keeping the cards then throw something on there periodically. If you dont care then let them die gracefully. Or product change them to something useful.

Made me laugh. I had to come back and +1 ya haha.

EW800 · ‎01-25-2015

Has anyone had experience with Care Credit inactivity? With this card/account only being used for medical stuff, I assume they allow it to go quite a while before closure? I have not put anything in this account in over a year.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

youdontkillmoney · ‎01-25-2015

I make a point to use ALL my cards at least once every 6 months to avoid cancellation.

Anonymous · ‎01-25-2015

I've never had one closed on me, but I keep them active with small monthly bills like Netflix or the gym. That way, they can stay in the sock drawer and still be active and not forgotten. I started doing that after I realized I never use my longest open credit card and was afraid they'd close it on me.

Credit Card Inactivity!

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