Credit Cards

[AutumnC74]

how is this going to impact the mortgage hunt? My overall utilization will go up I know... Now I only have a capital one and hsbc credit cards...

[ILBrian]

Utilization is the only immediate factor, age will remain for 10 years Be Persistant explain that there has been activity... i'm sure you can get this reversed if thats the true reason

[AutumnC74]

I've spoken with 3 front line CSRs who have all said it is due to inactivity, I'll try the back door number asap. One told me to wait until I got the letter explaining this but I don't need the hit to my score for utilization increase right now. One step forward, four steps back. Grrr

[Dadaluma83]

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.

[ILBrian]

Front line are not helping go up the chain request a manager if the backdoor doesn't work

[AutumnC74]

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???

[Creditaddict]

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AutumnC74 wrote:
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???

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submit payment to the other 2 cards to balance out the loss of util.

sorry.

[Booner72]

Can I ask you how long you've had this card?  And out of curiousity, what was the limit?  Thanks.

[boomhower]

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. 

[Smug]

I have not used mine in 6 months still there.