Credit Card Closed

[eparker]

I received a credit alert today and lost 10 points.  Barclay closed my Visa card due to inactivity.  I hadnt used the card in over 3 years.  

My question is, is that normal to loose that many points.  The account was never delinquent, I just stopped using the card.  Any answers are appreciated.  

Thanks

[FinStar]

It really depends on what your overall CR profile reflects.  For instance, if someone is carrying high utilization accross several cards and all of a sudden there is a loss of high available credit (i.e. account closure), then the impacts would be realized based on that closure (amongst other factors such as AAoA, rebucketing,etc.).

[shoo]

Well, first it could be a few different factors, but ultimately I'm guessing your AAOA was affected significantly since you say the card was 3+ years old. How old is your oldest credit account?

[FinStar]

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@shoo wrote:

Well, first it could be a few different factors, but ultimately I'm guessing your AAOA was affected significantly since you say the card was 3+ years old. How old is your oldest credit account?

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Except, an account closure would not have any effect on AAoA until it's removed from the CRs.

[eparker]

My oldest card is my Amex. 28 years.  The Barclay card had not been used in three years.  I have had the card for about 6 years.  

[shoo]

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@FinStar wrote:

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@shoo wrote:

Well, first it could be a few different factors, but ultimately I'm guessing your AAOA was affected significantly since you say the card was 3+ years old. How old is your oldest credit account?

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Except, an account closure would not have any effect on AAoA until it's removed from the CRs.

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oops you're right scratch that. Did you perhaps just have any other account changes between last alert and this one?