Getting shut down for inactivity

[crnbread73]

Personally, I have been cutoff for non-use by BOA, Commenity, Capital One, and just recently Merrick (yes it was a rebuilder but had a decent cl and I have had it a while but have not use it is maybe 3 years).  Length of time with the non-use varies between lender.  None of these sent me anything to use the card to avoid it being closed other than Target.  I will use it when I get the letter just because it has a large limit.  The others have not really made a difference as all except Merrick only had a $1000 CL.  Best advice is if there is a card that you don't want to lose then just use it randomly and pay if off.  Setup an auto pay or something on it.  

[Anonymous]

If it helps, I last used my Barclays Uber card on Jan 29 and my last payment was on Mar 5. It's still not shut down as of this morning.

I feel as though I'm almost daring them to shut me down since I have no intention of using it ever again. 

[Anonymous]

Comenity closed my Childrens Place account today; inactivity for 4 months....boo

[folks19]

Thanks everyone for sharing your experience!

i see that some people wrote that that my question was too vague, and that it can vary by lender. that does make sence.

i just want to know if anyone has any more experience on this topic?

[minski]

It took me a while to find this topic.

May have some data points of interest to you. On the other hand, due to the current economy, things may have changed.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards-closed-due-to-inactivity/m-p/539...

[Anonymous]

Also, CCC's can change their shutdown policy at any time without notice. Some have been known to close a card and the cardholder is unaware until trying to use it.

I'd say if you are looking to avoid a closure, and you really like the card, use it more than once every 6 months. You should be safer if you use the card 6 times a year.

[folks19]

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@minski wrote:
It took me a while to find this topic.

May have some data points of interest to you. On the other hand, due to the current economy, things may have changed.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-cards-closed-due-to-inactivity/m-p/539...

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that was very helpful! thanks a lot!