Account closed due to Inactivity-Synchrony

[Erusidhion]

    I need to look up when I got my CareCredit card as well. I haven't used it once since having it and it's sitting at a nice $2,000 limit which helps my utilization at the moment. Has anyone found a cheap way to use this card? Dentist checkup? Massage somewhere? I don't have any pets. It's good to know that Synchrony will go 12 months with no use and then they'll close a card down. I used to be obsessive about using my cards once a month but now I've toned it down to ever 2-3 months. I want to go 6 months but not sure if I should take the risk of CLD because of use.

[CreditCuriosity]

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@Erusidhion wrote:

    I need to look up when I got my CareCredit card as well. I haven't used it once since having it and it's sitting at a nice $2,000 limit which helps my utilization at the moment. Has anyone found a cheap way to use this card? Dentist checkup? Massage somewhere? I don't have any pets. It's good to know that Synchrony will go 12 months with no use and then they'll close a card down. I used to be obsessive about using my cards once a month but now I've toned it down to ever 2-3 months. I want to go 6 months but not sure if I should take the risk of CLD because of use.

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Used it for 15$ dollars a month or so ago to get my dogs nails trimmed.  Pretty cheap I would of had to pay with either a 1.5% card or care credit and for 15$ 1.5% back is nothing lol.

[9CLINE]

Does this apply to the Care Credit Card also? Being that they bill it as a card for use when needed,,, why would they penalize you for holding on to till you needed again...just saying....

[Anonymous]

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@9CLINE wrote:
Does this apply to the Care Credit Card also? Being that they bill it as a card for use when needed,,, why would they penalize you for holding on to till you needed again...just saying....

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I am considering calling them and asking. It may be a couple of more months before I use the card. If I do I and find out anything, I will post here.

[Anonymous]

My Mom received a letter stating that her Care Credit account was closed due to non-activity (almost 2 years). The letter also stated that if she would like to reopen her account, she can call. I'm not sure if they meant reapply, but the letter stated "reopen".

[Anonymous]

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@Anonymous wrote:

My Mom received a letter stating that her Care Credit account was closed due to non-activity (almost 2 years). The letter also stated that if she would like to reopen her account, she can call. I'm not sure if they meant reapply, but the letter stated "reopen".

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Thanks for the information.

[Anonymous]

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@Erusidhion wrote:

    I need to look up when I got my CareCredit card as well. I haven't used it once since having it and it's sitting at a nice $2,000 limit which helps my utilization at the moment. Has anyone found a cheap way to use this card? Dentist checkup? Massage somewhere? I don't have any pets. It's good to know that Synchrony will go 12 months with no use and then they'll close a card down. I used to be obsessive about using my cards once a month but now I've toned it down to ever 2-3 months. I want to go 6 months but not sure if I should take the risk of CLD because of use.

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Seeking unnecessary medical expenses every 2-3 months just to keep a card open doesn't strike me as a good idea. At that point, it's probably best to just risk letting the card go inactive, and direct the money you din't spend on paying down your utilization.

I admit I bought two pairs of socks I didn't need urgently for $12 (after a coupon) to put a little activity on Brooks Bros after 7 months of non-use, but that's not quite in the same league.

[pizza1]

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@Anonymous wrote:

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@9CLINE wrote:
Does this apply to the Care Credit Card also? Being that they bill it as a card for use when needed,,, why would they penalize you for holding on to till you needed again...just saying....

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I am considering calling them and asking. It may be a couple of more months before I use the card. If I do I and find out anything, I will post here.

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FYI...

Ive had my Care credit card for a little over a year now, and its only been used ONCE for a toal of $14.82 for eye glass cleaner, and a case. The first time I used it was 9 months AFTER approval,LOL... need to buy some cleaner wipes for my glasses again, LOL

[pizza1]

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@Anonymous wrote:

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@Erusidhion wrote:

    I need to look up when I got my CareCredit card as well. I haven't used it once since having it and it's sitting at a nice $2,000 limit which helps my utilization at the moment. Has anyone found a cheap way to use this card? Dentist checkup? Massage somewhere? I don't have any pets. It's good to know that Synchrony will go 12 months with no use and then they'll close a card down. I used to be obsessive about using my cards once a month but now I've toned it down to ever 2-3 months. I want to go 6 months but not sure if I should take the risk of CLD because of use.

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Seeking unnecessary medical expenses every 2-3 months just to keep a card open doesn't strike me as a good idea. At that point, it's probably best to just risk letting the card go inactive, and direct the money you din't spend on paying down your utilization.

I admit I bought two pairs of socks I didn't need urgently for $12 (after a coupon) to put a little activity on Brooks Bros after 7 months of non-use, but that's not quite in the same league.

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omg, LMAO!!!!!  I literally laughed at the "urgently" comment, hahahahahahaha   

[Anonymous]

maybe kay jewelers is different but they told me 2 years of inactivity will close it. then again i have put about $2.5k through it since opening in 2011 so since i used it they may have a different rule idk