05-15-2012 11:47 AM
05-15-2012 11:48 AM
05-15-2012 11:54 AM
05-15-2012 12:01 PM
This is why I never pay in full before the statement too many unknowns on what constitutes activity. Maybe their computer program that checks account activity only looks at reporting balance and if it sees a statement balance of 0 it assumes the card was inactive that whole month? So if you paid every statement so far to 0 before the statement cut the computer could have flagged it as an opened account that has never been used?
Definitely call and find out exactly how they determined inactivity.
05-15-2012 12:14 PM
05-15-2012 03:10 PM
05-15-2012 03:23 PM
They will not reinstate the account. I tried the backdoor number on the sticky but it did not work. I am so frustrated!!! Any other options???
submit payment to the other 2 cards to balance out the loss of util.
05-15-2012 08:38 PM
Can I ask you how long you've had this card? And out of curiousity, what was the limit? Thanks.
05-16-2012 04:24 AM
That just sucks, I wouldn't reapply just out of spite. Two months is not inactivity. Anything else going on in your credit file that could have spooked them? It sure looks like they are just using this as an excuse.
05-16-2012 04:32 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.