topic Re: Credit Card question, Please help in Credit Cards

Credit Card question, Please help

Anonymous — Fri, 23 Oct 2015 00:29:19 GMT

I do have some credit card that is not being use since I activated. Do you think they will close it, I havent use it in 2 months.

please give me some expert advice.

Re: Credit Card question, Please help

Anonymous — Fri, 23 Oct 2015 00:32:00 GMT

Every lender is different but two months isnt a very long time for non use so I wouldnt be concerned. It might help others if you stated which card this is regarding.

Re: Credit Card question, Please help

Anonymous — Fri, 23 Oct 2015 00:33:45 GMT

my virgin america & my barclay i havent use it since i activated it

Re: Credit Card question, Please help

ddemari — Fri, 23 Oct 2015 00:34:23 GMT

I doubt they will close that fast, but why not just run a charge through it and pay it right off once and while and that way you wont have to worry about it being closed?

my aunt has a discover card opened up in 1991. she has not used it in 24-25 years lol. she has an 840 fico. the keep sending her discoverit cards to activate and refuse to close her card down lol.

but, i would just use yours once or twice a year and will be fine probably. try to use it quarterly, there for you are showing them some activity.

Re: Credit Card question, Please help

Anonymous — Fri, 23 Oct 2015 00:37:25 GMT

Oh okay. Im just worried that they might close it.. Virgin America has a annual fee, I paid it on my 1st statement.

my barclay is apple rewards. I dont have anything to buy on apple, nut i might use it for gas just to have an activity.

thanks so much...

Re: Credit Card question, Please help

Anonymous — Fri, 23 Oct 2015 00:38:50 GMT

How about my Amex PRG i havent use it in 2 months... do you think Amex will close it?

Re: Credit Card question, Please help

ddemari — Fri, 23 Oct 2015 00:50:41 GMT

Unused credit cards can be seen as a potential liability by a lender. The equal credit opportunity act does not require a lender to tell u they are going to close u out due to inactivity. The exact period is up to each lender. Just use your cards a few times a year and u will be fine.

Re: Credit Card question, Please help

Anonymous — Fri, 23 Oct 2015 00:56:11 GMT

appreciate your comment. thanks a lot

Re: Credit Card question, Please help

ddemari — Fri, 23 Oct 2015 00:59:22 GMT

No problem! Use your cards how u want and what works the best for u.

Re: Credit Card question, Please help

Anonymous — Fri, 23 Oct 2015 17:51:27 GMT

Just use all those unused cards for a pack of gum or something every month and pay it off right away.

Re: Credit Card question, Please help

Anonymous — Fri, 23 Oct 2015 18:00:49 GMT

Easy solution. You buy gas, groceries, and probably coffee or Big Gulps and restaurant food monthly, right?

Spread that spending over ALL your major credit cards instead of paying in cashm and pay the charges off each month.

Problem solved.