topic Re: Account closed due to Inactivity-Synchrony in Credit Cards

Account closed due to Inactivity-Synchrony

JSS3 — Mon, 09 Nov 2015 15:01:06 GMT

If Synchrony just closed(early this month) an account due to inactivity, will they reopen if you call and plead?

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 15:10:17 GMT

@JSS3 wrote:
If Synchrony just closed(early this month) an account due to inactivity, will they reopen if you call and plead?

I have no clue, but would be interested in the responses to your post.

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 15:19:18 GMT

@JSS3 wrote:
If Synchrony just closed(early this month) an account due to inactivity, will they reopen if you call and plead?

No, they won't. You will have to re-apply.

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 15:20:48 GMT

@Anonymous wrote:
@JSS3 wrote:
If Synchrony just closed(early this month) an account due to inactivity, will they reopen if you call and plead?
No, they won't. You will have to re-apply.

Good to know. I wonder how long does your account have to be inactive for this to happen? Several months? More?

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 15:35:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@JSS3 wrote:
If Synchrony just closed(early this month) an account due to inactivity, will they reopen if you call and plead?
No, they won't. You will have to re-apply.
Good to know. I wonder how long does your account have to be inactive for this to happen? Several months? More?

A year. But to prevent closure, use it once every 3 months.

Re: Account closed due to Inactivity-Synchrony

JSS3 — Mon, 09 Nov 2015 15:34:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@JSS3 wrote:
If Synchrony just closed(early this month) an account due to inactivity, will they reopen if you call and plead?
No, they won't. You will have to re-apply.
Good to know. I wonder how long does your account have to be inactive for this to happen? Several months? More?

Closed after a year of no use at all. Never even activated. My mom meant to use it and was looking for the card a couple of weeks ago. Then BAM---closure.

Re: Account closed due to Inactivity-Synchrony

ddemari — Mon, 09 Nov 2015 15:36:35 GMT

Im not sure if this applies to only cards that are closed to user instead of cards closed by issuer, but if I close a synch card they wont let me reapply for it until 12 months have passed. you might want to find that out before you waste a hard pull on it. because they will definitely pull your credit even though they wont even consider approving you for it.

Re: Account closed due to Inactivity-Synchrony

pizza1 — Mon, 09 Nov 2015 16:02:08 GMT

Sorry OP...

But Synch will not reopen. Plus, they have a hard fast rule of that you can't reapply for that same card for 12 months after closing it. whether you did, or they did. I closed 3 store cards of theirs last year, and each time I received a letter stating the 12 month rule. I even posted a pic of it in a thread.

Re: Account closed due to Inactivity-Synchrony

JSS3 — Mon, 09 Nov 2015 16:11:11 GMT

Thanks guys! I'll tell mom.

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 16:22:34 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@JSS3 wrote:
If Synchrony just closed(early this month) an account due to inactivity, will they reopen if you call and plead?
No, they won't. You will have to re-apply.
Good to know. I wonder how long does your account have to be inactive for this to happen? Several months? More?
A year. But to prevent closure, use it once every 3 months.

Thanks! It is my Care Credit card that I plan on using soon, but have not used in a couple of months.

Re: Account closed due to Inactivity-Synchrony

Erusidhion — Mon, 09 Nov 2015 19:35:32 GMT

I need to look up when I got my CareCredit card as well. I haven't used it once since having it and it's sitting at a nice $2,000 limit which helps my utilization at the moment. Has anyone found a cheap way to use this card? Dentist checkup? Massage somewhere? I don't have any pets. It's good to know that Synchrony will go 12 months with no use and then they'll close a card down. I used to be obsessive about using my cards once a month but now I've toned it down to ever 2-3 months. I want to go 6 months but not sure if I should take the risk of CLD because of use.

Re: Account closed due to Inactivity-Synchrony

CreditCuriosity — Mon, 09 Nov 2015 19:52:00 GMT

@Erusidhion wrote:

I need to look up when I got my CareCredit card as well. I haven't used it once since having it and it's sitting at a nice $2,000 limit which helps my utilization at the moment. Has anyone found a cheap way to use this card? Dentist checkup? Massage somewhere? I don't have any pets. It's good to know that Synchrony will go 12 months with no use and then they'll close a card down. I used to be obsessive about using my cards once a month but now I've toned it down to ever 2-3 months. I want to go 6 months but not sure if I should take the risk of CLD because of use.

Used it for 15$ dollars a month or so ago to get my dogs nails trimmed. Pretty cheap I would of had to pay with either a 1.5% card or care credit and for 15$ 1.5% back is nothing lol.

Re: Account closed due to Inactivity-Synchrony

9CLINE — Mon, 09 Nov 2015 20:22:25 GMT

Does this apply to the Care Credit Card also? Being that they bill it as a card for use when needed,,, why would they penalize you for holding on to till you needed again...just saying....

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 20:29:16 GMT

@9CLINE wrote:
Does this apply to the Care Credit Card also? Being that they bill it as a card for use when needed,,, why would they penalize you for holding on to till you needed again...just saying....

I am considering calling them and asking. It may be a couple of more months before I use the card. If I do I and find out anything, I will post here.

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 20:35:47 GMT

My Mom received a letter stating that her Care Credit account was closed due to non-activity (almost 2 years). The letter also stated that if she would like to reopen her account, she can call. I'm not sure if they meant reapply, but the letter stated "reopen".

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 20:46:43 GMT

@Anonymous wrote:
My Mom received a letter stating that her Care Credit account was closed due to non-activity (almost 2 years). The letter also stated that if she would like to reopen her account, she can call. I'm not sure if they meant reapply, but the letter stated "reopen".

Thanks for the information.

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 21:57:09 GMT

@Erusidhion wrote:

I need to look up when I got my CareCredit card as well. I haven't used it once since having it and it's sitting at a nice $2,000 limit which helps my utilization at the moment. Has anyone found a cheap way to use this card? Dentist checkup? Massage somewhere? I don't have any pets. It's good to know that Synchrony will go 12 months with no use and then they'll close a card down. I used to be obsessive about using my cards once a month but now I've toned it down to ever 2-3 months. I want to go 6 months but not sure if I should take the risk of CLD because of use.

Seeking unnecessary medical expenses every 2-3 months just to keep a card open doesn't strike me as a good idea. At that point, it's probably best to just risk letting the card go inactive, and direct the money you din't spend on paying down your utilization.

I admit I bought two pairs of socks I didn't need urgently for $12 (after a coupon) to put a little activity on Brooks Bros after 7 months of non-use, but that's not quite in the same league.

Re: Account closed due to Inactivity-Synchrony

pizza1 — Mon, 09 Nov 2015 22:00:45 GMT

@Anonymous wrote:
@9CLINE wrote:
Does this apply to the Care Credit Card also? Being that they bill it as a card for use when needed,,, why would they penalize you for holding on to till you needed again...just saying....
I am considering calling them and asking. It may be a couple of more months before I use the card. If I do I and find out anything, I will post here.

FYI...

Ive had my Care credit card for a little over a year now, and its only been used ONCE for a toal of $14.82 for eye glass cleaner, and a case. The first time I used it was 9 months AFTER approval,LOL... need to buy some cleaner wipes for my glasses again, LOL

Re: Account closed due to Inactivity-Synchrony

pizza1 — Mon, 09 Nov 2015 22:01:54 GMT

@Anonymous wrote:
@Erusidhion wrote:

I need to look up when I got my CareCredit card as well. I haven't used it once since having it and it's sitting at a nice $2,000 limit which helps my utilization at the moment. Has anyone found a cheap way to use this card? Dentist checkup? Massage somewhere? I don't have any pets. It's good to know that Synchrony will go 12 months with no use and then they'll close a card down. I used to be obsessive about using my cards once a month but now I've toned it down to ever 2-3 months. I want to go 6 months but not sure if I should take the risk of CLD because of use.
Seeking unnecessary medical expenses every 2-3 months just to keep a card open doesn't strike me as a good idea. At that point, it's probably best to just risk letting the card go inactive, and direct the money you din't spend on paying down your utilization.

I admit I bought two pairs of socks I didn't need urgently for $12 (after a coupon) to put a little activity on Brooks Bros after 7 months of non-use, but that's not quite in the same league.

omg, LMAO!!!!! I literally laughed at the "urgently" comment, hahahahahahaha

Re: Account closed due to Inactivity-Synchrony

Anonymous — Mon, 09 Nov 2015 22:03:58 GMT

maybe kay jewelers is different but they told me 2 years of inactivity will close it. then again i have put about $2.5k through it since opening in 2011 so since i used it they may have a different rule idk