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Amazon Store Card

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Anonymous
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Amazon Store Card

Just signed into my amazon store card account and it says I have $0 available to spend. Do they decrease my limit if I dont use it? I pry havent used it in a few years. I am more curious than anything. 

 

Thanks! 

Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Amazon Store Card

It's probably closed. They like to do that (especially on cards like that) if you don't use them for 12 or more months. They like to decrease after about 6 months sometimes
Message 2 of 7
Anonymous
Not applicable

Re: Amazon Store Card

I figured that is what happened. I don't even remember what the CL was. Thanks for the info! Cheers! 

Message 3 of 7
CountryLivin
Valued Contributor

Re: Amazon Store Card

I agree, they probably closed it.

Message 4 of 7
Loquat
Moderator Emeritus

Re: Amazon Store Card

I guess there's no harm done then if you rarely used the account anyway.  Amazon is one of my most active cards other than my Sam's Club MC.

Message 5 of 7
Anonymous
Not applicable

Re: Amazon Store Card

What is considered usuage? How about minimum payment?

Message 6 of 7
Anonymous
Not applicable

Re: Amazon Store Card

If you have a balance on which you are making minimum payments, then you are using the card.

No usage means nothing happening at all - either new charges or payments on old charges - for an extended period of time.  Synchrony/Amazon has been known to notice this after about six months in some cases, and certainly after a year of complete silence they are known to kill the accounts.  Presumably it is so that they can prevent potential fraud on inactive accounts (if a person never uses the account for years and then someone charges to it fraudulently, the account holder is less likely to notice until the first payment is overdue and they get called to ask why).  If you have a balance on your card, even if you don't buy anything else for over a year, your account is still active while you make your payments.

Message 7 of 7
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