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If I make a return does it count as cc activity

debt2debit
New Contributor

If I make a return does it count as cc activity

I purchased something at Louis Vuitton in Neiman Marcus. I paid 50-50 with my Neiman Marcus charge card and my Bergdorf Goodman card. Both of these have not seen any activity for a while and I was concerned they might be shut down due to inactivity. However, I am not happy with my purchase as the item is flawed and I need to return it, I'm just wondering if I purchase and return within the same billing cycle still counts as credit card activity and will this help make sure that these cards stay active, even though the item is returned & the amount is refunded m? 

5 REPLIES 5
FireMedic1
Super Contributor

Re: If I make a return does it count as cc activity

Well you made the transactions. So the computer knows there was some activity. Returned or not. But do it again on your next LV purchase which you wont pass up. Smiley Happy





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 6
Loquat
Moderator

Re: If I make a return does it count as cc activity

A charge is a charge so yes it'll count as activity even if the item is returned. I wouldn't make a habit of buying and returning just for card activity as it may start to get the attention of the store.
Message 3 of 6
TheBoondocks
Established Contributor

Re: If I make a return does it count as cc activity

I remember somebody said even if you replace the card, it counts as a activity? But I do have a card, almost a year of no use. Should I just use it to by something like a bag for 10c?

Message 4 of 6
AllZero
Super Contributor

Re: If I make a return does it count as cc activity

@FireMedic1  👋 Good to see you stopping by. 😊

Message 5 of 6
FinStar
Moderator

Re: If I make a return does it count as cc activity


@TheBoondocks wrote:

I remember somebody said even if you replace the card, it counts as a activity? But I do have a card, almost a year of no use. Should I just use it to by something like a bag for 10c?


Replacing a card doesn't count as activity @TheBoondocks. In a variety of cases, and depending on the lender or card type, they could extend the expiration date and/or change CVV, but if the account isn't used for a prolonged period, it can still be closed.

 

A transaction on the card certainly counts, though.  If it's a major CC, Amazon reloads is an option.

Message 6 of 6
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