Closing Card for Inactivity v. Request to Close

[JustMe77]

Does it make much of a difference? I have an Orchard card that I plan to stop using. I am going to close it but was planning to wait until August. Until then, my plan is to just leave it in my car for those rare days when I forget my wallet.

I did a board search and read a few threads of HSBC closing cards for inactivity and dropping the limit to $5. Is it better to let the CCC drop your card, or for the user to do it? Or does it make no difference? 

[dalebb]

i would say it is best 4 u 2 close it,,, Edited

[MarineVietVet]

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@JustMe77 wrote:

Does it make much of a difference? I have an Orchard card that I plan to stop using. I am going to close it but was planning to wait until August. Until then, my plan is to just leave it in my car for those rare days when I forget my wallet.

I did a board search and read a few threads of HSBC closing cards for inactivity and dropping the limit to $5. Is it better to let the CCC drop your card, or for the user to do it? Or does it make no difference? 

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It really won't matter the reason for the closing as far as scoring is concerned but lenders (like HSBC) might look at inactivity in a negative light.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".