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Established Member
youngmoneyok
Posts: 31
Registered: ‎08-14-2012

Will Amex close an account due to lack of activity?

So I am currently an AU on an Amex optima card from 1998. It's going to expire in 2016. No activity has been posted on this account for a few years, and the optima card has already been closed off to new applicants for a long time. I am planning to put some small charges on it to keep it active (a few bucks a month), but I am not sure if they're going to close the account if it is not active enough. I only need it to lengthen my credit history since the oldest card under my name is 7 months old. 

 

 

Valued Contributor
jamesdwi
Posts: 1,439
Registered: ‎09-16-2011

Re: Will Amex close an account due to lack of activity?


youngmoneyok wrote:

So I am currently an AU on an Amex optima card from 1998. It's going to expire in 2016. No activity has been posted on this account for a few years, and the optima card has already been closed off to new applicants for a long time. I am planning to put some small charges on it to keep it active (a few bucks a month), but I am not sure if they're going to close the account if it is not active enough. I only need it to lengthen my credit history since the oldest card under my name is 7 months old. 

 

 


I wouldn't think that AU accounts would be closed for non-use, since the major reason for AU used to be for emergcies, the primary on the account should be sure to keep some activity on the account or at least on other AMEX cards they have. 


Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Established Member
youngmoneyok
Posts: 31
Registered: ‎08-14-2012

Re: Will Amex close an account due to lack of activity?

Yah, the primary user will not be using the card anymore (the card has been pretty much inactive since at least 2010). This card is pretty much going in the sock drawer for me, and I am hoping it will last until at least 2016. 

Valued Contributor
jamesdwi
Posts: 1,439
Registered: ‎09-16-2011

Re: Will Amex close an account due to lack of activity?

I see you have a chase saphire card, why not app for another AMEX card of your own. Or just let it drop off, Many scoring systems and manual review drop AU TL's for calculation purposes. If you qualified for a CSP your score can't be that bad anyway. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012

Re: Will Amex close an account due to lack of activity?

Yeah get Amex yourself to lock in your member date.  Hell get two to really help aaoa.  What is your member date?

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