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Closed Account

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DrJim
Frequent Contributor

Closed Account

Looks like Care Credit closed my $3500 CL account.  Don't blame them, I havent used it in years.  I don't even know where the card is since my wife opened it in my name.  And at a measly $3,500 CL, who cares?



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 1 of 4
3 REPLIES 3
Creditaddict
Legendary Contributor

Re: Closed Account


@DrJim wrote:

Looks like Care Credit closed my $3500 CL account.  Don't blame them, I havent used it in years.  I don't even know where the card is since my wife opened it in my name.  And at a measly $3,500 CL, who cares?


it's fine if you need it in the future, they will open you a new one with an even higher limit probably!

Message 2 of 4
coldnmn
Mega Contributor

Re: Closed Account

It will report for 10 years no big deal. With the cards you have it shouldn't effect utilization at all.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 4
titanofold
Established Contributor

Re: Closed Account

Yup, CareCredit doesn't wait very long to close an inactive account. Somewhere around 2 years of inactivity will do it with them, or so I've been told by a previous CareCredit holder.

Scores2013-09-21Current
Equifax630 (LP)755 (CK)/749 (Quizzle)
Experian640 (FCR)FICO 707 (Amex)
TransUnion588 (CK)FICO 754 (Barclaycard)
Message 4 of 4
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