topic Re: Not using two CC in Credit Cards

Not using two CC

corymcd88 — Tue, 03 Jan 2017 03:32:11 GMT

Will BoA or AMEX care if I use only one of my accounts with them and not use the other one.

Re: Not using two CC

myjourney — Tue, 03 Jan 2017 03:39:49 GMT

IMHO

Amex is not paranoid at all if usage slows or inactive for long periods

Haven't used one of mine in 12 - 14 months

However in my case the other 3 see loads of activity

Re: Not using two CC

Gmood1 — Tue, 03 Jan 2017 05:02:49 GMT

No matter how many cards you have with Amex. They only look at the overall account usage. That's why you can only get one CLI every six months on one card at a time.

Re: Not using two CC

wasCB14 — Tue, 03 Jan 2017 05:57:09 GMT

Policies can and do change. I wouldn't want my cards to be the canaries in the coal mine.

If a card is worth keeping, it should be worth putting an occasional small purchase on.

Re: Not using two CC

Anonymous — Tue, 03 Jan 2017 10:01:11 GMT

I don't have any BoA cards, but as for AmEx... I don't think they care as long as you're using ONE of their cards. One of mine hasn't been used for about 9 months now and nothing has happened to it.

Re: Not using two CC

wasCB14 — Tue, 03 Jan 2017 16:49:21 GMT

@Anonymous wrote:
I don't have any BoA cards, but as for AmEx... I don't think they care as long as you're using ONE of their cards. One of mine hasn't been used for about 9 months now and nothing has happened to it.

It's worth noting, though, that the Amex cards in your signature all have annual fees.

Re: Not using two CC

Anonymous — Tue, 03 Jan 2017 17:15:24 GMT

It's a possibility that it could play into them closing accounts, but I still don't think they will do anything. Even when AmEx let me in the door with their no AF Everyday card in 2015, I didn't use that for a long period of time (probably about 6 months or so) and it was fine.

Basically no one knows for sure. If you're nervous, buy some gum or something on it... otherwise, live dangerously and test the waters

But IMO you will be fine... especially since you're using one of there other cards anyway!

Re: Not using two CC

SouthJamaica — Tue, 03 Jan 2017 17:32:05 GMT

@wasCB14 wrote:
Policies can and do change. I wouldn't want my cards to be the canaries in the coal mine.

If a card is worth keeping, it should be worth putting an occasional small purchase on.

Re: Not using two CC

Gmood1 — Tue, 03 Jan 2017 18:56:39 GMT

@Anonymous wrote:
It's a possibility that it could play into them closing accounts, but I still don't think they will do anything. Even when AmEx let me in the door with their no AF Everyday card in 2015, I didn't use that for a long period of time (probably about 6 months or so) and it was fine.

Basically no one knows for sure. If you're nervous, buy some gum or something on it... otherwise, live dangerously and test the waters

But IMO you will be fine... especially since you're using one of there other cards anyway!

I cancelled two Amex cards last year. I was told both times after mentioning that I didn't plan to use them much. That I had nothing to worry about and could leave them open if I wanted to...as I've stated before. Because they don't look at cards individually. For those that worry, put a dollar on it or call and asked. Get it straight from the horse's mouth.They'll tell you the same.

Re: Not using two CC

Anonymous — Tue, 03 Jan 2017 19:23:32 GMT

I've gone 12-18 months before without using my Bofa and Amex BCE with no issues. However, since I wanted to keep them open, I did put a small charge on them just to reset the timer!