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Sock Drawer Time

Valued Contributor

Sock Drawer Time

I've read a few threads about how often to use SD cards.  It makes sense that it varies by CCC, but does anyone have experience specifically with AMEX, Citi, and U.S Bank?

 

I only use my AMEX for costco (usually at least once a month), but I haven't used Citi for a few months and only once in the past 5 months have I used U.S Bank.

 

I'd like to avoid having my CLs lowered due to inactivity.

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
4 REPLIES
Senior Contributor

Re: Sock Drawer Time

Citi Cash returns was in sock-drawer a year with no bad results. Diamond Preferred hasn't gotten any love in months.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Valued Contributor

Re: Sock Drawer Time

I would say once every six months or so.

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Valued Contributor

Re: Sock Drawer Time

Thanks for the input guys.  I didn't use my J.Crew card for 8 months and they dropped my CL from $3k to $1260.  I did a love button CLI request but they only bumped me up to $1460.

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Valued Contributor

Re: Sock Drawer Time

My Amex Blue has been SDed for months.  I want to close it but am waiting to hopefully move the CL over to another Amex after May.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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