topic Re: INACTIVITY in General Credit Topics

INACTIVITY

williamd1972 — Sat, 10 Jan 2009 02:10:02 GMT

I need to make a puchase with my SEARS CARD. The problem is, I havent used MY CARD in seven months.
When and If, i use my SEARS CARD, WILL MY SCORE TAKE A HIT?

Re: INACTIVITY

Anonymous — Sat, 10 Jan 2009 02:20:25 GMT

Since your card has been inactive for more than 90 days (3 billing cycles), you'll take a temporary FICO hit for using an inactive card. The good news is that you should recover any lost points the very next month.

@williamd1972 wrote:
I need to make a puchase with my SEARS CARD. The problem is, I havent used MY CARD in seven months.
When and If, i use my SEARS CARD, WILL MY SCORE TAKE A HIT?

Re: INACTIVITY

RobertEG — Sat, 10 Jan 2009 06:48:39 GMT

Maybe, and maybe not. What is the CL on the card, and how much %util of that card do you intend to make?

Re: INACTIVITY

williamd1972 — Sat, 10 Jan 2009 07:15:22 GMT

$3500. I would charge a few hundred dollars at the most.

Re: INACTIVITY

Anonymous — Sat, 10 Jan 2009 07:44:13 GMT

Last year, I used a card that was inactive for several months. You can read about my experience here:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&message.id=20130#M20130