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@TryingVeryHard wrote:
Will it hurt my score if I open an account with high credit limit, then not use it?
cobra19 wrote:Scoring may have changed since - the word now is to use a card at least quarterly to keep it active.
MidnightVoice wrote:
cobra19 wrote:Scoring may have changed since - the word now is to use a card at least quarterly to keep it active.Not just the scoring -Yep, this happened to me last Sunday at Macy's. I haven't used card in years and when I used it to buy a crappy $20 shirt they pulled a hard inq without my knowledge! I am really mad about that!
MidnightVoice wrote:
cobra19 wrote:Scoring may have changed since - the word now is to use a card at least quarterly to keep it active.Not just the scoring - some companies will make a card inactive after a year then it is still reporting, but if you try and use it they will do a hard pull on your creditMy gas card (no local gas stations any more) needs to be used once a year to stop problems. As it is so old and useful to my score, I make sure I do that.