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applied for cc. approved & received. never activated....

tag
sandez
Member

applied for cc. approved & received. never activated....

if i cancel (w/in 30 days &) before using or activating - will it stil appear on my Credit Report?


Starting Scores Jul 2015: 620, 605, 605
Got Serious in Dec 2017: TU 600. EQ 628.
EQ went max 636 in Jan 18, 629 Sep 18, and dropped to 608 with a Charge Off report in Oct 18 Score Settled, hoping to PIF & see thow that affects score
First Goal Score (Feb 2019): both consistantly above 640
End Goal: No Debt except mortgage. No Credit except for CC used for perks.
Message 1 of 6
5 REPLIES 5
smallfry
Senior Contributor

Re: applied for cc. approved & received. never activated....

Extremely likely it will. Almost certain.

Message 2 of 6
Uniqua
Established Contributor

Re: applied for cc. approved & received. never activated....

It's probably already reporting.  Have you checked?

Message 3 of 6
fused
Moderator Emeritus

Re: applied for cc. approved & received. never activated....

I agree with the others, the new CC will report.

Message 4 of 6
ngerasimatos
Valued Contributor

Re: applied for cc. approved & received. never activated....

How long has it been since they sent you the card? I know with some banks, if you app and are approved, they mail you the card and if you decline for whatever reason (too small of a CL) it will not report in most cases.
Try not to become a man of success but rather to become a man of value
Albert Einstein 1879 - 1955

800+ Club
Message 5 of 6
fused
Moderator Emeritus

Re: applied for cc. approved & received. never activated....

 


@ngerasimatos wrote:
How long has it been since they sent you the card? I know with some banks, if you app and are approved, they mail you the card and if you decline for whatever reason (too small of a CL) it will not report in most cases.

I haven't seen or heard of that happening. Was that your experience?

 

Message 6 of 6
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