BB&T Acceptance of Card Question

[AI_JMV]

So, I app'ed for the BB&T cards last week, and chose the spectrum from the offer.  SP only via EQ.  My SL was only $6500, and considering folks have said that it is difficult to raise the limit on this card, I am wondering what the penalty would be if I didn't activate the card once I got it, and let it age out so no new account opened.  Would this black ball me from trying to app later, because I am certain the 6500 SL was due to my BK still being on my EQ report.  Would there be any action if I chose to just cut up the card and not respond once I got in, or would I need to call them to tell them I have no intention of activating.  Looking for DPs on the consequences here.. Thank you!

[kdm31091]

Once you have been approved for the card, it is going to show up on your credit report as an open account. Activating the card is really just a security measure for the actual card, and has no bearing on the account being open/closed. So, regardless of what you do, the account is going to report. You could close it as soon as the card arrives and it would make no difference in that sense.

Because the damage is done and there's no reversing it you may as well keep it open to build some type of history with BB&T rather than closing it immediately. Honestly $6500 is pretty typical SL with them, they are not incredibly generous from what I have seen, and who knows, maybe in the Truist transition the card(s) will become more enticing and you'll be glad you already have one (because I'd assume the SP approvals could go away eventually). I'd just hang onto it, it has no fee and doesn't hurt anything.

[M_Smart007]

$6500 may not seem like a lot, unless you have had $500  .

$6500 is a decent limit ..IMHO

Besides you can have at least 6 BB&T CC's.

I think @UH_HUH  has 11

[AllZero]

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@M_Smart007 wrote:

$6500 may not seem like a lot, unless you have had $500  .

$6500 is a decent limit ..IMHO

Besides you can have at least 6 BB&T CC's.

I think @UH_HUH  has 11

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I think he is up to 13 now? 4th set of BB&T cards #'s 10 and 11

Perhaps after the merger, they will allow account combos?

[M_Smart007]

He could be up there?

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/4th-set-of-BB-amp-T-cards-s-10-and-11/m-p/593...

[Anonymous]

Unless I’m mistaken, I’ve noticed those with BB&T accounts it seems like if they get them quickly back to back the limits are all the same.  These cards typically show up in their signatures side by side or very close together.  I have also noticed some that have multiple BB&Ts where the cards are not side by side and seem to be spaced out, I have noticed they may have one for 6,500, one for a little higher and one for 10-15k.  Makes me think if you space them out, show history with them they will do higher limits on 2nd and/or 3rd card.  Or possibly when those who got more, they waited enough time between apps that their files improved?