Left in sock drawer too long.

craigatcraignet · ‎03-13-2012

So I go to Kay.com to look for a gift to my wife for our 26th anniversary. To my surprise I learn that the account was closed 12 days ago due to inactivity. Today is 2 years and 12 days since the last time the card was used. Oops! That was a $2k CL with $0.00 bal. Oh well. The friendly lady said I could app again. Lesson learned: Check the sock drawer more often.

Have a great day.

Craig, an IT guy.
The technical difficulty originally scheduled for this time has been postponed - due to technical difficulties.

FrugalRican · ‎03-13-2012

Did you ask the friendly lady if you could just open the same one up again, seeing as how it was less than a month ago?

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

craigatcraignet · ‎03-13-2012

Yes I did. Unfortunately closed is closed.

Craig, an IT guy.
The technical difficulty originally scheduled for this time has been postponed - due to technical difficulties.

FrugalRican · ‎03-13-2012

@craigatcraignet wrote:
Yes I did. Unfortunately closed is closed.

Well that sucks. Sorry to hear it.

Follow my financial journey: http://www.frugalrican.com

EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

bichonmom · ‎03-13-2012

@craigatcraignet wrote:
So I go to Kay.com to look for a gift to my wife for our 26th anniversary. To my surprise I learn that the account was closed 12 days ago due to inactivity. Today is 2 years and 12 days since the last time the card was used. Oops! That was a $2k CL with $0.00 bal. Oh well. The friendly lady said I could app again. Lesson learned: Check the sock drawer more often.

Have a great day.

Wow. Sorry to hear that. I'm surprised they wouldn't at least send you a letter of warning. My former bank did that when my account had been inactive for a period of time, with a small balance. I guess the CCCs don't need to do that, so they don't. I'll definitely make sure I have some activity on my SD cards!

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

LS2982 · ‎03-13-2012

The only one I worry about inactivity is CareCredit. I wonder if a vet will trim cats claws and I can use carecredit?

EQ FICO 548 3/3/16

boomhower · ‎03-13-2012

I got bit by the same bug a few months when my $2k Hooters card was closed. It sucks as I needed that line for UT purposes and it really hadn't been that long since I'd paid it off, six months or so.

pizzadude · ‎03-13-2012

Bummer. Sorry that they canned your card too. And from what people have said the Hooters® card isn't taking applications anymore.

Guess that to be safe you should probably use at least once every 3 months or so.....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

tinuviel · ‎03-13-2012

@LS2982 wrote:
The only one I worry about inactivity is CareCredit. I wonder if a vet will trim cats claws and I can use carecredit?

We use it buy our dogs' heartworm preventative. Our vet's office doesn't care so long as a valid form of payment is tendered, which CareCredit is.

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

tinuviel · ‎03-13-2012

To the OP -- so sorry to hear.

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k