topic Re: Inactive cards and 'OK' in Credit Cards

Inactive cards and 'OK'

Anonymous — Wed, 14 Aug 2013 01:13:08 GMT

Have a question gang. If I have a CC I only use every 3 months, will the months of no usage be blank entries on the payment history in a credit report? Or will it still generate the green 'OK'? Thanks.

Re: Inactive cards and 'OK'

myjourney — Wed, 14 Aug 2013 01:15:01 GMT

@Anonymous wrote:
Have a question gang. If I have a CC I only use every 3 months, will the months of no usage be blank entries on the payment history in a credit report? Or will it still generate the green 'OK'? Thanks.

Could be either depends on how the lender reports it

Re: Inactive cards and 'OK'

Anonymous — Wed, 14 Aug 2013 01:19:43 GMT

So I've noticed with OL' stick in the mud FingerHut.

Re: Inactive cards and 'OK'

myjourney — Wed, 14 Aug 2013 01:24:43 GMT

@Anonymous wrote:
So I've noticed with OL' stick in the mud FingerHut.

Lol

What's funny is if you leave a balance they will report that real quick

Re: Inactive cards and 'OK'

Anonymous — Wed, 14 Aug 2013 01:30:04 GMT

^^^lol

Re: Inactive cards and 'OK'

Anonymous — Sun, 18 Aug 2013 02:20:39 GMT

I wonder just to play it safe if I should only use my inactive CCs every 3 months, or use them every month for small $10 or so purchases and PIF them every month just to 'guarantee' reporting. I have a thin profile and need all these to report. Except FingerHut which I will let fizz out on it's own.

Re: Inactive cards and 'OK'

mikey78 — Sun, 18 Aug 2013 02:22:28 GMT

as long as it says "pays as agreed" and no negs I'll be happy

Re: Inactive cards and 'OK'

Anonymous — Sun, 18 Aug 2013 02:30:21 GMT

@mikey78 wrote:
as long as it says "pays as agreed" and no negs I'll be happy

mikey has it been your experience that at least 'something' gets reported monthly even with no use? Is having monthly reporting (ok) really necessary to scoring?

Re: Inactive cards and 'OK'

mikey78 — Sun, 18 Aug 2013 02:43:23 GMT

for me i just checked EQ and EXperian with accounts that i don't use often open and closed

EXperian for paypal everything came out as checked even for the months of none usage
even with EQ came out as ok
as long as you continue to use them every so often I don't see any down side where they will leave it as blank but like other posters say it may depend on the lender

but if your really worried about the lender leaving it blank i would leave a tiny balance and pay each month

I hope i was helpful but i'm sure that there are more experianced members that can help answer this