Commence Card Question

IncrsCreditScore1 · ‎04-13-2017

I have this card, have not activated it. Am keeping it just so if it turns into something better in the future, I will have it. The problem is, I keep getting e-mails from Barclay reminding me to activate the card; I had no intention of activating it. My question is: If I don't activate the card, will that make me ineligible for any future "maybe improvements."

January 2018 Scores - EQ 797 | TU 800 | EX 798 | ~~Started Gardening Again on March 21, 2017

gdale6 · ‎04-13-2017

@IncrsCreditScore wrote:
I have this card, have not activated it. Am keeping it just so if it turns into something better in the future, I will have it. The problem is, I keep getting e-mails from Barclay reminding me to activate the card; I had no intention of activating it. My question is: If I don't activate the card, will that make me ineligible for any future "maybe improvements."

With Barclay you will most likely lose the card within 6 months as they just close them for non use, in their T&Cs they can do this in as little as 90 days with no use.

Turbobuick · ‎04-13-2017

@IncrsCreditScore wrote:
I have this card, have not activated it. Am keeping it just so if it turns into something better in the future, I will have it. The problem is, I keep getting e-mails from Barclay reminding me to activate the card; I had no intention of activating it. My question is: If I don't activate the card, will that make me ineligible for any future "maybe improvements."

I would imagine if you don't acknowledge the emails, they will close the account at some point to avoid confusion and liability.

Kforce · ‎04-13-2017

If you don't activate it, they will close the account.

If you want to keep it open, activate it and put some small charge on it every 3 months.

AverageJoesCredit · ‎04-13-2017

Play with fire with Barclays, most likely enjoy your Zepplin

Anonymous · ‎04-13-2017

Yeah I imagine they'll jsut close it on you. Even so there's plenty of data points of Barclays CLD or closing accounts that had no usage for 6 months.

Anonymous · ‎04-13-2017

IncrsCreditScore understand your point. Kept my account hoping to p/c down the road. Did activate the card and use if for some of the 2% to put activity in the mix.

IncrsCreditScore1 · ‎04-16-2017

Thanks to all of you. I will think about activating the card this week.

January 2018 Scores - EQ 797 | TU 800 | EX 798 | ~~Started Gardening Again on March 21, 2017

Anonymous · ‎04-16-2017

@IncrsCreditScore wrote:
Thanks to all of you. I will think about activating the card this week.

What's the upside of not activing? It's already on your report right? I guess in theory it may be harder to use if hacked, but not sure that is really true.