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Shortest Time for Inactive Credit Card being closed?

Senior Contributor

Re: Shortest Time for Inactive Credit Card being closed?


rbbyrbsn wrote:
I have heard rumors that HSbc shut cards after 3 months

 

It's not a rumor. It has happened time and again to people who let their HSBC cards lie unused. (This may not be as big a problem with the store cards as it is with the bank cards. I still would not mess with them - they have a hair trigger.)
Message 11 of 14
New Contributor

Re: Shortest Time for Inactive Credit Card being closed?

I've never had a card closed due to activity, but I can tell you the longest I went with an inactive card not being closed. JCPenney, 9.5 years.

 

You can probably get away with 6 months on most store cards, although I'd say try every 3 months just to be safe.

Message 12 of 14
Member

Re: Shortest Time for Inactive Credit Card being closed?

HA!! YEP!! Me. They just dropped me from the RZ MC after three months of no activity. Oh well.m Life goes on.
Message 13 of 14
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Regular Contributor

Re: Shortest Time for Inactive Credit Card being closed?


SteveO wrote:
HA!! YEP!! Me. They just dropped me from the RZ MC after three months of no activity. Oh well.m Life goes on.

Wow, 3 months. I think that a CC company should give you at least 6 months of no activity before you get dropped.


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Message 14 of 14