https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201925#M66687 <DIV></DIV> <DIV><BR /> <BLOCKQUOTE> <DIV> <HR /> ivyalmighty wrote:<BR />Do we have to activate the cc's before they start reporting on our credit report?<BR /> <HR /> </DIV></BLOCKQUOTE>Activation often really does nothing but give them a chance to try to sell you something.&nbsp; Not only do cards report before they're activated, often they can even be used before they're activated.</DIV> <DIV>&nbsp;</DIV> <DIV>Kinda scary, huh?</DIV> <DIV>&nbsp;</DIV> <DIV>If you apply for a card and get it, odds are it will report.</DIV> <DIV>&nbsp;</DIV> Sat, 05 Apr 2008 01:08:47 GMT Anonymous 2008-04-05T01:08:47Z https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201920#M66684 Do we have to activate the cc's before they start reporting on our credit report? Sat, 05 Apr 2008 01:05:08 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201920#M66684 Anonymous 2008-04-05T01:05:08Z https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201923#M66686 <DIV>NO ALL U HAVE TO IS APPLY...</DIV> Sat, 05 Apr 2008 01:06:55 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201923#M66686 Anonymous 2008-04-05T01:06:55Z https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201925#M66687 <DIV></DIV> <DIV><BR /> <BLOCKQUOTE> <DIV> <HR /> ivyalmighty wrote:<BR />Do we have to activate the cc's before they start reporting on our credit report?<BR /> <HR /> </DIV></BLOCKQUOTE>Activation often really does nothing but give them a chance to try to sell you something.&nbsp; Not only do cards report before they're activated, often they can even be used before they're activated.</DIV> <DIV>&nbsp;</DIV> <DIV>Kinda scary, huh?</DIV> <DIV>&nbsp;</DIV> <DIV>If you apply for a card and get it, odds are it will report.</DIV> <DIV>&nbsp;</DIV> Sat, 05 Apr 2008 01:08:47 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201925#M66687 Anonymous 2008-04-05T01:08:47Z https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201990#M66702 <DIV></DIV><DIV><BR /><BLOCKQUOTE><P>When you "activate" a card.&nbsp; You are only turning on the card with that expiration date and CVC code.&nbsp; The account is opened the day you were approved for the credit card.&nbsp;</P><P>NOTE: The opposite is a popular mistake.&nbsp; People apply for and receive a credit card in the mail with an annual fee and think they don't have to make any payments because they didn't activate the card.&nbsp; Then they get collection calls and sometimes report past due to the CRA's because they were ignorant.<BR /></P></BLOCKQUOTE><DIV></DIV></DIV> Sat, 05 Apr 2008 02:17:38 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Probably-a-dumb-question/m-p/201990#M66702 Anonymous 2008-04-05T02:17:38Z