topic Re: Commence Card Question in Credit Cards

Commence Card Question

IncrsCreditScore1 — Thu, 13 Apr 2017 22:04:56 GMT

I have this card, have not activated it. Am keeping it just so if it turns into something better in the future, I will have it. The problem is, I keep getting e-mails from Barclay reminding me to activate the card; I had no intention of activating it. My question is: If I don't activate the card, will that make me ineligible for any future "maybe improvements."

Re: Commence Card Question

gdale6 — Thu, 13 Apr 2017 23:50:14 GMT

@IncrsCreditScore wrote:
I have this card, have not activated it. Am keeping it just so if it turns into something better in the future, I will have it. The problem is, I keep getting e-mails from Barclay reminding me to activate the card; I had no intention of activating it. My question is: If I don't activate the card, will that make me ineligible for any future "maybe improvements."

With Barclay you will most likely lose the card within 6 months as they just close them for non use, in their T&Cs they can do this in as little as 90 days with no use.

Re: Commence Card Question

Turbobuick — Thu, 13 Apr 2017 23:54:32 GMT

@IncrsCreditScore wrote:
I have this card, have not activated it. Am keeping it just so if it turns into something better in the future, I will have it. The problem is, I keep getting e-mails from Barclay reminding me to activate the card; I had no intention of activating it. My question is: If I don't activate the card, will that make me ineligible for any future "maybe improvements."

I would imagine if you don't acknowledge the emails, they will close the account at some point to avoid confusion and liability.

Re: Commence Card Question

Kforce — Fri, 14 Apr 2017 00:32:38 GMT

If you don't activate it, they will close the account.

If you want to keep it open, activate it and put some small charge on it every 3 months.

Re: Commence Card Question

AverageJoesCredit — Fri, 14 Apr 2017 00:35:42 GMT

Play with fire with Barclays, most likely enjoy your Zepplin

Re: Commence Card Question

Anonymous — Fri, 14 Apr 2017 00:43:35 GMT

Yeah I imagine they'll jsut close it on you. Even so there's plenty of data points of Barclays CLD or closing accounts that had no usage for 6 months.

Re: Commence Card Question

Anonymous — Fri, 14 Apr 2017 01:34:46 GMT

IncrsCreditScore understand your point. Kept my account hoping to p/c down the road. Did activate the card and use if for some of the 2% to put activity in the mix.

Re: Commence Card Question

IncrsCreditScore1 — Sun, 16 Apr 2017 17:45:33 GMT

Thanks to all of you. I will think about activating the card this week.

Re: Commence Card Question

Anonymous — Sun, 16 Apr 2017 19:24:50 GMT

@IncrsCreditScore wrote:
Thanks to all of you. I will think about activating the card this week.

What's the upside of not activing? It's already on your report right? I guess in theory it may be harder to use if hacked, but not sure that is really true.