topic Re: CareCredit Card Inactivity in Credit Cards

CareCredit Card Inactivity

Time2letgo — Thu, 20 Dec 2018 21:18:35 GMT

It has been a year since the last activity on my CareCredit card. It's a card I definately want to keep because it may come in handy for medical purposes with a great zero APR. If a card is being considered for closure due to inactivity, will Synchrony notify me? Or will I just check one day and find it closed?

Re: CareCredit Card Inactivity

Adkins — Thu, 20 Dec 2018 21:51:13 GMT

You'll check one day and find it closed, unless you live in California. Try and use it twice a year, to keep it from being closed for inactivity.

Re: CareCredit Card Inactivity

Loquat — Thu, 20 Dec 2018 22:40:11 GMT

Just use the card if you want to keep it so that you don't have to wonder if one day it's going to close. They've made it even easier to use...if there's a Walmart or Sam's Club close to you then go there, buy box of bandaids and be done with it. Heck you can even buy a bottle of shampoo just for activity.

Check out their website as it contains some very useful information of the can and can't of the card as it relates to Walmart/Sam's Club. For what it's worth I was able buy a box of bandaids for a couple of bucks and that's enough for activity.

Re: CareCredit Card Inactivity

SunriseEarth — Fri, 21 Dec 2018 01:56:16 GMT

@Loquat wrote:
Just use the card if you want to keep it so that you don't have to wonder if one day it's going to close. They've made it even easier to use...if there's a Walmart or Sam's Club close to you then go there, buy box of bandaids and be done with it. Heck you can even buy a bottle of shampoo just for activity.

I was going to suggest Rite Aid, but I realize that store has some regional limitations. Walmart and Sam's Club certainly don't have that limitation, so it's good to see they are locations (for now, anyway), where CareCredit can be used. However, what you can purchase at Walmart and Sam's Club is far more limited than what you can purchase at Rite Aid (anything but GCs).

This link explains it more: https://www.carecredit.com/walmart/

Re: CareCredit Card Inactivity

pizza1 — Fri, 21 Dec 2018 05:21:37 GMT

@Adkins wrote:
You'll check one day and find it closed, unless you live in California. Try and use it twice a year, to keep it from being closed for inactivity.

This is exactly what happened to me. I had used it once in the year I had it, but I PIF before statement cut, and of course, it cut with a zero balance. I literally went to go use it for my glasses one day, and it was declined. Found out it was closed that morning! LOL..

So, advice..find something, anything....to use it, and let the balance cut on the statement. Letter in the mail stated closed for inactivity on the account.

Re: CareCredit Card Inactivity

scarfa21 — Fri, 21 Dec 2018 11:27:40 GMT

Go buy a pack of gum at rite aid that will keep them happy. I usually do that every 6 months or so. Keeps them off my back.

Re: CareCredit Card Inactivity

HeavenOhio — Fri, 21 Dec 2018 17:32:41 GMT

@pizza1, do you recall how long the card was inactive before you closed it?

Re: CareCredit Card Inactivity

Time2letgo — Mon, 24 Dec 2018 18:41:32 GMT

Works like a charm at Walmart, just swiped for OTC and first aide. Who knew Thanks for the info everyone. Happy Holidays to all.

Re: CareCredit Card Inactivity

Anonymous — Mon, 24 Dec 2018 22:41:53 GMT

I’ve gone up to three years without using my carecredit and they haven’t closed it. It’s been a few years since I’ve used it and last month I called and got an increase from $1,500 to $6,000 🤪🤗 I’ve had it for 7 years

Re: CareCredit Card Inactivity

pizza1 — Tue, 25 Dec 2018 02:44:14 GMT

@HeavenOhio wrote:
@pizza1, do you recall how long the card was inactive before you closed it?

@HeavenOhio, Almost a year.

Re: CareCredit Card Inactivity

Anonymous — Sun, 30 Dec 2018 17:54:20 GMT

only used mine with the initial opening charge that was paid off almost immediately....have never used again ... year and a half maybe.. saw the Walmart option..... is the 0% still good? I thought that was only for the initial charge?

Re: CareCredit Card Inactivity

CreditCuriosity — Sun, 30 Dec 2018 18:12:28 GMT

@Anonymous wrote:
only used mine with the initial opening charge that was paid off almost immediately....have never used again ... year and a half maybe.. saw the Walmart option..... is the 0% still good? I thought that was only for the initial charge?

Depends on you dentist, eye dr., vet etc if they offer promotional financing it isn't up to care credit the dr's office is the one that pays for it and you indireftly pay for it by cost of service. Short answer is they offer promo fiancing way after first charge and first charge isn't guranteed promo either.

Re: CareCredit Card Inactivity

UncleB — Sun, 30 Dec 2018 18:35:49 GMT

@CreditCuriosity wrote:
@Anonymous wrote:
only used mine with the initial opening charge that was paid off almost immediately....have never used again ... year and a half maybe.. saw the Walmart option..... is the 0% still good? I thought that was only for the initial charge?
Depends on you dentist, eye dr., vet etc if they offer promotional financing it isn't up to care credit the dr's office is the one that pays for it and you indireftly pay for it by cost of service. Short answer is they offer promo fiancing way after first charge and first charge isn't guranteed promo either.

You won't get promo financing at Walmart or Rite Aid.

Re: CareCredit Card Inactivity

SunriseEarth — Tue, 01 Jan 2019 10:09:47 GMT

@UncleB wrote:
@CreditCuriosity wrote:
@Anonymous wrote:
only used mine with the initial opening charge that was paid off almost immediately....have never used again ... year and a half maybe.. saw the Walmart option..... is the 0% still good? I thought that was only for the initial charge?
Depends on you dentist, eye dr., vet etc if they offer promotional financing it isn't up to care credit the dr's office is the one that pays for it and you indireftly pay for it by cost of service. Short answer is they offer promo fiancing way after first charge and first charge isn't guranteed promo either.
+1

You won't get promo financing at Walmart or Rite Aid.

IIRC, Care Credit has sent targeted offers for promotional financing at Rite Aid. Genererally speaking, it isn't available there.

Promotional financing can be used at any point in the life of your account, so long as the vendor offers it. I currently have a balance on my Care Credit from my optometrist, as I was offered 6 months promotional financing.

Re: CareCredit Card Inactivity

UncleB — Tue, 01 Jan 2019 10:14:56 GMT

@SunriseEarth wrote:
@UncleB wrote:
@CreditCuriosity wrote:
@Anonymous wrote:
only used mine with the initial opening charge that was paid off almost immediately....have never used again ... year and a half maybe.. saw the Walmart option..... is the 0% still good? I thought that was only for the initial charge?
Depends on you dentist, eye dr., vet etc if they offer promotional financing it isn't up to care credit the dr's office is the one that pays for it and you indireftly pay for it by cost of service. Short answer is they offer promo fiancing way after first charge and first charge isn't guranteed promo either.
+1

You won't get promo financing at Walmart or Rite Aid.
IIRC, Care Credit has sent targeted offers for promotional financing at Rite Aid. Genererally speaking, it isn't available there.

Promotional financing can be used at any point in the life of your account, so long as the vendor offers it. I currently have a balance on my Care Credit from my optometrist, as I was offered 6 months promotional financing.

I've received promo offers for Bowflex and of course for traditional providers but that's it (at least for the PLCC).

It's good to know they continue to add value by offering targeted promos to Rite Aid as well! If they would expand that to Walmart I'm sure many people would find it even more useful.

Re: CareCredit Card Inactivity

gingerflower — Wed, 02 Jan 2019 02:30:22 GMT

I just had an issue with my Synchrony Gas card the last activity was in Aug 2017 I was shocked to find out on my own my line of credit decreased from $10.000 to a misley $1064...I called an explain the reason there was no activity is because the chevron gas station closed. Now there is a midas auto service that accept chevron gas i will do an oil change to keep the account active. I called credit solution and they could not reverse the limit. Asked for line increase of at least $5000 the answer not until I can show how I candle handle credit of $1064!! I"ve had the account for 10 years excellent credit with the $10.000 limit...

Re: CareCredit Card Inactivity

gingerflower — Wed, 02 Jan 2019 02:43:10 GMT

Wow! i did not know you can use your care credit card at walmart for health items going to use it tomorrow! Thanks for the info everyone

Re: CareCredit Card Inactivity

Time2letgo — Tue, 08 Jan 2019 15:27:23 GMT

@Anonymous wrote:
only used mine with the initial opening charge that was paid off almost immediately....have never used again ... year and a half maybe.. saw the Walmart option..... is the 0% still good? I thought that was only for the initial charge?

The zero won't work for Walmart, but with that option the amount is significantly less than a medical bill so definately would not be needed. Walmart is great option to keep card active, spend a few $$ on items that you would need anyways, allow it to report, then pay in full after statement cuts. Still zero effect.