01-06-2010 05:52 PM
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.)
01-06-2010 06:18 PM
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.
01-07-2010 06:38 AM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.