found a nice trick to keep unused credit cards open

[Berk]

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@baller4life wrote:

I would load Amazon every 6 months just to be on the safe side.

@Berk unused as in no activity on the card at all. Some lenders will close cards for inactivity. So this trick creates activity.

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Exactly! So you USE the card to keep the UNUSED card active. Now I get it!

[Berk]

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@CreditCuriousity wrote:

I have all 17 of my major active CC's set up on amazon and make sure i put 5 on each of the not used ones every few months.  Best way as don't have to leave the house.

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Too much work for me. Every once in a while I'll get an email saying a card was closed for inactivity. I look at credit cards like I look at clothes - if I have clothes in my closet that I haven't worn for a year or so down to Goodwill they go. If I have a credit card I'm not using and it closes - oh well. Get enough of em to close and I can go on another app spree!

That reminds me - time to update my profile.

[Anonymous]

I think people over stress the unused CC issue. I didn't use my BoFA card for 1.5 years and there wasn't an issue. My buddy has a Capital One card that hasn't been used in 6 years and it's still active. I think it's yearS before most lenders will close out a CC for inactivity.

[baller4life]

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@CreditCuriousity wrote:

I have all 17 of my major active CC's set up on amazon and make sure i put 5 on each of the not used ones every few months.  Best way as don't have to leave the house.

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Perfect for those sd cards you don't want to be closed. 😉

[Berk]

Yeah, I had a Kohl's card that I didn't use for 5 or 6 years. Capital One finally closed it. I had forgotten all about it until I got the email.

[baller4life]

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@Anonymous wrote:
I think people over stress the unused CC issue. I didn't use my BoFA card for 1.5 years and there wasn't an issue. My buddy has a Capital One card that hasn't been used in 6 years and it's still active. I think it's yearS before most lenders will close out a CC for inactivity.

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This is true. However, some lenders do close cards sooner than that. Synchrony is notorious for this. I have seen Barclays close as well in less than a yr. Some people like to keep their older tradelines or those with hefty limits open. But, dont use them. This is a good alternative. To each it's own tho.

[CreditCuriosity]

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@Berk wrote:

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@CreditCuriousity wrote:

I have all 17 of my major active CC's set up on amazon and make sure i put 5 on each of the not used ones every few months.  Best way as don't have to leave the house.

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Too much work for me. Every once in a while I'll get an email saying a card was closed for inactivity. I look at credit cards like I look at clothes - if I have clothes in my closet that I haven't worn for a year or so down to Goodwill they go. If I have a credit card I'm not using and it closes - oh well. Get enough of em to close and I can go on another app spree!

That reminds me - time to update my profile.

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most of my cards serve some time of purpose..  Just an example which i dont have anymore is my Amex platinum... Horrible for normal spend, but great for the "parks" .. Granted they arent going to close a 450 AF card on a person.. I agree I have given up at least 5 of my cards, but as I get lower being 17 I find it harder to close them for one reason or another.  4 Amex's use them all for either storing MR's or Cash or business credit. 3 Chase cards 2 are UR's CSP/Freedom and Ritz is pseudo travel card and that is 7 right there alone.  Don't forget blispay 2% 0% financing for 6 months, fidelity 2% normal card and you see where I am going.. Most of my cards serve a purpose, but a few are more so rare than others one being my Marvel MC.. Got the best rate for that and a niche card i will use for theme parks or movies or possibly amazon if SM ever gets nerfedm etc so i keep that one around vs. cancelling.

[keisham320]

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@Anonymous wrote:
I think people over stress the unused CC issue. I didn't use my BoFA card for 1.5 years and there wasn't an issue. My buddy has a Capital One card that hasn't been used in 6 years and it's still active. I think it's yearS before most lenders will close out a CC for inactivity.

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My husband's BofA MLB card closed after 1 year of inactivity....I guess there's no rhyme or reason when dealing with BofA and how they treat inactive cards..

[negg]

Last week I went to 7-11 and bought a .69 water.  That's first time I've used the card in 15 months.  I know it's still active cause I get 2 letters a week offering BT or opening a new card.  

[Anonymous]

Thanks for the share OP.