What are some actions card issuers consider risky?

[SRT4kid93]

That's honestly impressive considering most suggest that you should never let your card go more than 6 months without use because you risk the issue closing your card for inactivity 

[NoMoreE46]

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@SRT4kid93 wrote:

That's honestly impressive considering most suggest that you should never let your card go more than 6 months without use because you risk the issue closing your card for inactivity 

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Her scores are north

of 824, files are thick and aged.

Thus, issuers might be more lenient on "risky" stuff depending on one's profile.

[pizzadude]

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@SRT4kid93 wrote:

I appreciate you guys taking the time to post.  Honestly these all seem like super obvious no no's. I was talking more in the realm of things you got in trouble for that you had no idea were "bad"

Like for example, let's say you got in trouble for using your card too much when you first got it. That's something you wouldn't think was "bad" 

or making multiple payments In a Month. Some people say that's unnecessary and can actually be detrimental and others say they have been making 10 payments a month for years and never had an issue. 

Anything like that

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Excessive cash advances are probably a red flag for most creditors.   Yes they'll allow them and they'll charge the highest interest rates, but likely not something they want to happen regularly  

[Anonymous]

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@SRT4kid93 wrote:

I appreciate you guys taking the time to post.  Honestly these all seem like super obvious no no's. I was talking more in the realm of things you got in trouble for that you had no idea were "bad"

Like for example, let's say you got in trouble for using your card too much when you first got it. That's something you wouldn't think was "bad" 

or making multiple payments In a Month. Some people say that's unnecessary and can actually be detrimental and others say they have been making 10 payments a month for years and never had an issue. 

Anything like that

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The trouble when it becomes less obvious (or even when you think it is) is that you rarely know the real reason for any AA: in most cases you get a vague reason that can cover a lot of things.   But people being people, it's easy to jump to conclusions.    I spend $300 at Jack's Adult Playhouse ("girls, guns, gambling, gin: all a real man can need.  Now pay with crypto") and my card get shut down a week later, so I post a BEWARE  warning here.  I forget to mention my $8500 balance on the card where I have been paying minimum for two years.

[Gregory1776]

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@coldfusion wrote:

Carrying a balance on which you've only been making minimum payments several months in a row.

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Oh? Well how is Citi going to feel about me? Card is ⅔ months old. Only time I made a big payment was when I bought a discount Gift card. It's at 96% rn, and I want to get it down to "not maxed" but I'm also trying to increase my cash reserves so I don't need to use credit... 

Chase too, BT offer 1.99% apr couple months of minimal payments so far. Now I'm tossing 2-3 payments a month at it. $539 ea.

[markhs777]

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@coldfusion wrote:

Carrying a balance on which you've only been making minimum payments several months in a row.

If you have a 0% convenience check balance it would be to the customer's advantage to the have the cash in their own account receiving albeit small interest rather than pay more than the minimum.

As long as the balance is paid before the 0% expires do banks take AA in these situations?

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