Youve already gotten the notice, by the time you post this just go online and buy something now so you dont forget later on. Easy peasy , pass the Charmin
In OP's position I'd buy one of those fancy screwdrivers with dozens of swap-out heads or something to keep the card active, but that's just me (I have a lot of different sizes of screws to work with at home for some indefinable reason). Anyway, this is why I try to make at least one small purchase a month on each card to keep them percolating and keep the issuers from wondering if I really wanted their cards in the first place.
@Anonymous wrote:Does paying off a balance slowly little by little every month count as activity? I haven't used my HD card in a while, just been paying the balance off slowly with small payments monthly. without any new charges at all.....I wonder if it counts lol.
Yes. Essentially as long as a statement generated that isn't $0 previous balance, $0 current charges, $0 due - that's "activity." Hope that's a promotional balance and you're not paying like 27% interest?
Great idea on the $5 gift card - alternately, you could always just buy one thing online that you know you will always need. HVAC filters, light bulbs, cleaning supplies... I did close my HD after getting my Lowe's, not really because I couldn't use it but because for some reason Citi would never give me a CLI on that one card and 5 years and like 8 wasted HPs later it was still stuck at $1250.
I got a cold on my Walmart card for no -useage. They didn't send me any notice, just caught it on my report. Didn't care because I'll probably never use it.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
