Card with AF be closed for inactivity?

[Anonymous]

Just curious. Can a credit card with AF be closed for inacitivity? I also thought that the card issuer was satisifed with the AF charge every year and not close for inactivity. Just wanted to see any datapoints.

[Anonymous]

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@Anonymous wrote:

Just curious. Can a credit card with AF be closed for inacitivity? I also thought that the card issuer was satisifed with the AF charge every year and not close for inactivity. Just wanted to see any datapoints.

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I'm pretty sure I've read about at least one case where it happened on some Cap1 rebuilder card. Something unsecured with an annual fee and no rewards.

There might have been more to the story than reported. The person might have had other risk factors Cap1 didn't like, so the closure might not have been entirely due to inactivity.

I'm not going to bother looking for the thread because any search keyword I can think of would be extremely common.

Ultimately, if you want to keep an account open, use the card occasionally.

[red259]

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@Anonymous wrote:

Just curious. Can a credit card with AF be closed for inacitivity? I also thought that the card issuer was satisifed with the AF charge every year and not close for inactivity. Just wanted to see any datapoints.

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I'm sure it could happen, but probably really rare because they would like to have the AF.

[Anonymous]

Also, I've heard that it generally takes over a year of inactivity for the account for close, and annual fee itself counts as activity. So as long as it posts and you pay it, it should be fine?

[takeshi74]

The AF doesn't mean anything with regard to whether or not an account will be closed due to inactivity.  Confirm with each of your creditors what their policies are on the matter.

[noobody]

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@takeshi74 wrote:

The AF doesn't mean anything with regard to whether or not an account will be closed due to inactivity.  Confirm with each of your creditors what their policies are on the matter.

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I do not think most creditor would give out straight answer on this matter, nor I trust front line CSR even they do spill out an answer

Why AF billing and paying NOT counting as activity?

[Anonymous]

Not every account needs a minimum 12 months of inactivity to be closed.

Some accounts may be closed for inactivity after just a few months.You can be billed the AF, pay it, SD the card, and have it closed 6 months later.

[Anonymous]

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@Anonymous wrote:

Not every account needs a minimum 12 months of inactivity to be closed.

Some accounts may be closed for inactivity after just a few months.You can be billed the AF, pay it, SD the card, and have it closed 6 months later.

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Any datapoints on this? I just find it so hard to believe they would close a card that's paying AF yet allow a card that spends $1 every 6 months to fool the system into thinking it's active. I always thought AF is a way to keep the benefits and inactivity in check without having to spend time reviewing the account. Isn't the card issuer better off when someone is paying the AF with no other spending than someone who is only spending in 5% categories?

[red259]

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@Anonymous wrote:

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@Anonymous wrote:

Not every account needs a minimum 12 months of inactivity to be closed.

Some accounts may be closed for inactivity after just a few months.You can be billed the AF, pay it, SD the card, and have it closed 6 months later.

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Any datapoints on this? I just find it so hard to believe they would close a card that's paying AF yet allow a card that spends $1 every 6 months to fool the system into thinking it's active. I always thought AF is a way to keep the benefits and inactivity in check without having to spend time reviewing the account. Isn't the card issuer better off when someone is paying the AF with no other spending than someone who is only spending in 5% categories?

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+1 I think it would be somewhat ridiculous that a lender would close a card six months after an AF has been paid for inactivity. I haven't heard of this happening and if it did I'm inclined to think its quite rare. Many people, myself included, have AF cards that we keep year to year without activity but for the benefits and have no problem. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Not every account needs a minimum 12 months of inactivity to be closed.

Some accounts may be closed for inactivity after just a few months.You can be billed the AF, pay it, SD the card, and have it closed 6 months later.

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Any datapoints on this? I just find it so hard to believe they would close a card that's paying AF yet allow a card that spends $1 every 6 months to fool the system into thinking it's active. I always thought AF is a way to keep the benefits and inactivity in check without having to spend time reviewing the account. Isn't the card issuer better off when someone is paying the AF with no other spending than someone who is only spending in 5% categories?

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I'm sure it's fine. <12 months of inactivity should be no big deal, and the annual AF itself definitely counts as activity.