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I now have a buckles card, a walmart card, and a capitol express Visa. Between the three of them, my score almost instantly dropped from 669 to 640!! *gasp* These are my first cards so I'm hoping they will help my scores rise over the next year (hopefully faster??) and anyway, I noticed that Buckles sells products that strike me as cheap looking and simultaneously overpriced. I'm really disappointed, but I can't find anything in their store that I actually want. I imagined at least purchasing a cheap excessory once a month to show credit usage, but there isn't anything I want. I forced myself to buy an ugly 10$ headband that probably wouldn't sell for 3$ at Walgreens just so a purchase and payment would be recorded. But now, I'm wondering if it would do any harm to just ignore the card and let it sit with a zero balance forever?
Check your cardmember agreement on how long you can go without a purchase before they close the account. I've never heard of one that needed monthly usage, most are a year or more.
So, perhaps you could get away with only buying ugly head bands as Christmas gifts
You can do that. Eventually they may close your account due to non-use, but it will still report for 10 years after closure.
I had a GE/Care Credit account that sat unused for 6 years before they closed it.
This is why you only get a card if you are going to use it. But I agree, Buckle is not my type of store either.
Not sure if this policy still applies to FICO scoring.
About a year or so ago, Barry from FICO stated in a article about financing and scoring that FICO will not use
any credit card that has had a zero balance for a period of six months or more for scoring purposes.
Maybe someone who is more knowledgeable about scoring can shed some light.
I have never been to a buckle. I just searched for it and it looks like a clothing store.
You can probably buy a pair of socks, a white tshirt, or a pair of underwears once a year to keep the card active. Since these are your first cards I would just keep them.
Find out if its every 6 months or 1 year. i would wait for others to post just to be sure
@Mshellt wrote:II noticed that Buckles sells products that strike me as cheap looking and simultaneously overpriced. I'm really disappointed, but I can't find anything in their store that I actually want.
Why would you apply for their card then? Be more carfeul in future.
@Mshellt wrote:I'm really disappointed, but I can't find anything in their store that I actually want.
I never walked inside a buckle but after looking at their site I cant find anything I would ever buy. It would of been better applying for a Macys, Saks, Nordstrom, Neiman Marcus etc..
I heard macys is easy to get. Or better yet it would be nice to skip store cards and get a credit card. Maybe capital one since it is easy to get accepted.