"Fake" activity on credit cards?

TatorTodd · ‎04-22-2014

I havent used my Macy's card since 11/13, and really dont plan on using it anymore as they will not up my minimal limit, and I really dont shop there. I got this to start credit history. I would like to keep it just due to the length its been open. If i go purchase things, then return them maybe a week or 2 later, would they see this as activity, or do they notice the returns? Or am I just better off buying needed socks and whatnot there every once in awhile? Thanks everyone

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mrlh1980 · ‎04-22-2014

@TatorTodd wrote:
I havent used my Macy's card since 11/13, and really dont plan on using it anymore as they will not up my minimal limit, and I really dont shop there. I got this to start credit history. I would like to keep it just due to the length its been open. If i go purchase things, then return them maybe a week or 2 later, would they see this as activity, or do they notice the returns? Or am I just better off buying needed socks and whatnot there every once in awhile? Thanks everyone

Huh? Don't do that. If you need something then use it. Making a purchase only to return to get some type of usage is a bad move. As you mentioned buy some socks and keep them. Pay the bill in full and you'll be set.

"Fools trade their SOULS for gold in an attempt to take control of things they can't control."

Shogun · ‎04-22-2014

I think that just an occassional needed purchase would be much better.

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TatorTodd · ‎04-22-2014

okay, thanks for the feedback

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Kenny · ‎04-22-2014

I'm sure they have gum or a less than $5 item.

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TatorTodd · ‎04-22-2014

Hahah Kenny....can I order that online? Its just so much effort to have to get in a car...put on a seat belt..and drive to the Macys

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compassion101 · ‎04-22-2014

Use the socks, then return them

SunriseEarth · ‎04-22-2014

@TatorTodd wrote:
I havent used my Macy's card since 11/13, and really dont plan on using it anymore as they will not up my minimal limit, and I really dont shop there. I got this to start credit history. I would like to keep it just due to the length its been open. If i go purchase things, then return them maybe a week or 2 later, would they see this as activity, or do they notice the returns? Or am I just better off buying needed socks and whatnot there every once in awhile? Thanks everyone

Technically, yes, it's activity. But it's already too much effort to go to the store, it seems like an unreallistic solution.

Do Xmas shopping there. Or buy some needed basics every now and again. Or yes, order something online. You don't need to use it too often just to generate activity.

negg · ‎04-22-2014

Pay a bill, buy a tank of gas, buy lunch one day, make a donation. There are soooooooo many things you can do to show activity one every 3 months.

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SunriseEarth · ‎04-22-2014

@negg wrote:
Pay a bill, buy a tank of gas, buy lunch one day, make a donation. There are soooooooo many things you can do to show activity one every 3 months.

The OP has a Macy's store card, so gas might be out of the question. Some Macy's do have cafes and Starbucks, so lunch could be an option.