CapitalOne Cabela's Club MC - Closed For Non Use Datapoint

[Dalmus]

I got this card fully intending to use it a lot to support my outdoorsey addictions.  I ended up not really using it much because I didn't like being tied to HAVING to purchase from Cabela's at their prices.

So...  After 5 years of non-use, they're finally warning me to use it or lose it!  I have no need for it... so I'll likely contact them and cancel it just so I can the "closed by account holder" memo. 

[gdale6]

Wow, 5 years, typically they shut down after 2. I would just cancel it if you dont plan to use it, stays on record up to 10 years post close.

[NoMoreE46]

Or use it once and  and try

to stretch it out another 5 years...

[ozzman469]

Had no idea they did this. I have one and it's my oldest card but only have a $500 limit on it. I've been contemplating closing it because I never use it (again because of the $500 limit) but afraid to screw up my credit age.

[AverageJoesCredit]

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@ozzman469 wrote:

Had no idea they did this. I have one and it's my oldest card but only have a $500 limit on it. I've been contemplating closing it because I never use it (again because of the $500 limit) but afraid to screw up my credit age.

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Your credit age does not get screwed up by closing a card. A closed card still factors in up to 10 years or more. 

[CreditInspired]

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@gdale6 wrote:

Wow, 5 years, typically they shut down after 2. I would just cancel it if you dont plan to use it, stays on record up to 10 years post close.

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Wow is right! And they gave OP a heads-up too. 

[Dalmus]

I had thought about putting a charge on it just to keep it alive, but it's only a $1,000 card.  No auto-luv ever, and always denied when I requested a CLI.

I have more than enough cards open.    It might ding my Credit Karma score a smidge because it would lower my AAOA, but it'll not effect my actual FICO at all.

[Adkins]

Out of curiosity, do you live in California, @Dalmus? 

[Dalmus]

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@Adkins wrote:

Out of curiosity, do you live in California, @Dalmus? 

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No sir.   Wisconsin born and bred.   

I do have family out there, though.

[Adkins]

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@Dalmus wrote:

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@Adkins wrote:

Out of curiosity, do you live in California, @Dalmus? 

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No sir.   Wisconsin born and bred.   

I do have family out there, though.

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Ok, thank you! (I asked because CA is one of the few states that requires a CC company to let a customer know a card may be closed for non use.)