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Understanding FICO® Scoring

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Established Contributor
scramblingin2007
Posts: 749
Registered: ‎08-19-2007
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Quick ? about lost/unused cc's
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‎10-04-2007 02:53 PM

Hi all! A few months ago I cut up 3 of my cc's so I wouldnt use them. Now after reading alot of posts I learned that I am suppose to use them every few months to keep activity on account. My question is: When I call the cc company to give me a new card will I get a Hard or Soft pull? I don't want any hards right now so I wont get new cards if it'll cost me hards.
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Senior Contributor
imducky
Posts: 3,432
Registered: ‎08-27-2007
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Re: Quick ? about lost/unused cc's
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‎10-04-2007 04:09 PM

just call and say they were damaged and are no longer usable. they should replace w/o anymore questions, but some charge a replacement fee.
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Valued Member
Kat
Posts: 43
Registered: ‎05-01-2007
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Re: Quick ? about lost/unused cc's
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‎10-05-2007 10:44 AM

I had my JCP card replaced over a year ago, and like haulingthescoreup I now have two TL's on my CR.  This didn't seem to have impacted my score.  I read somewhere that the TL for the canceled card stays on your CR for 2 years. 
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Established Member
TigersFan
Posts: 57
Registered: ‎08-02-2007
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Re: Quick ? about lost/unused cc's
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‎10-05-2007 12:14 PM

Just tell the card issuer that you tried to make a purchase and the card's magnetic stripe wouldn't read. They will reissue a card with the same number and credit reporting on the account remains unchanged.
Ch. 7 BK filed Oct. 2005 (old law)

EQ=698, TU=715, EX=who cares?
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Established Contributor
scramblingin2007
Posts: 749
Registered: ‎08-19-2007
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Re: Quick ? about lost/unused cc's
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‎10-05-2007 01:15 PM


TigersFan wrote:
Just tell the card issuer that you tried to make a purchase and the card's magnetic stripe wouldn't read. They will reissue a card with the same number and credit reporting on the account remains unchanged.

yes tigersfan, i like that! Or I can always tell them the truth "I cut up your crappy cards because of the high interest" LOL!
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