What are the consequences?

[williamd1972]

I havent used my sears cards in 10 months, but Im planing on using my card in the next few days. My question is, will my scores take hit when I use my card?

[YoungEntrepeneur]

No it won't. If you don't use the card soon, Citi will close the account for inactivity and it will show up as closed by grantor on your reports. That's not what you want to see.

[Anonymous]

Oh really? Ouch...I have a Macy's Card with $500 limit applied LONG LONG TIME ago and I haven't used it even once. What should I do?

[CreditAble]

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@Anonymous wrote:
Oh really? Ouch...I have a Macy's Card with $500 limit applied LONG LONG TIME ago and I haven't used it even once. What should I do?

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Use it.

[Anonymous]

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@CreditAble wrote:

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@Anonymous wrote:
Oh really? Ouch...I have a Macy's Card with $500 limit applied LONG LONG TIME ago and I haven't used it even once. What should I do?

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Use it.

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I've never even received the card.I cant use it every month?! I dont buy things from Macy's that much, maybe once a year?!

[CreditAble]

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@Anonymous wrote:

I've never even received the card.I cant use it every month?! I dont buy things from Macy's that much, maybe once a year?!

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Call the contact number that appears on your credit report and ask them to send you a card.

[haulingthescoreup]

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williamd1972 wrote:
I havent used my sears cards in 10 months, but Im planing on using my card in the next few days. My question is, will my scores take hit when I use my card?

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If you let the charge appear on your statement, you will get a one-time score ding of somewhere around 5 points for an inactive account reporting. The ding will be gone the next month.

If you use the card but pay it off online before your statement date, your scores should not react.