Non Activity Data Points

[Anonymous]

Banks, Products, CL, etc... Example of my idea below hear me out.

Citi Double Cash CL 5,200 Non-Active 3 weeks safe

Blispay CL 4,000 Non-Active 3 months AA

Folks may be able to get a better idea of how active and which product to be of concern.

[Anonymous]

I understand the overall point of your thread, but I'm not sure the format you are going for or thread title is really what you're after. 

It doesn't make much sense for people to post about their card they haven't used for 3 weeks as being "safe" as that would be the case for literally every CC out there and would just congest your thread with unmeaningful data points.

I think what you're really looking for here are data points on lengths of time of inactivity that resulted in AA and if that happened, who was the creditor, product, amount of time without use, etc. 

[iced]

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@Anonymous wrote:

I understand the overall point of your thread, but I'm not sure the format you are going for or thread title is really what you're after. 

It doesn't make much sense for people to post about their card they haven't used for 3 weeks as being "safe" as that would be the case for literally every CC out there and would just congest your thread with unmeaningful data points.

I think what you're really looking for here are data points on lengths of time of inactivity that resulted in AA and if that happened, who was the creditor, product, amount of time without use, etc. 

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I concur.

On that note, my data point is Barclays. Card sat in the drawer for 3 years, no charges. Finally got a notice they would close after 30 days. Cut card up. A month later, I receive a letter with a replacement card and my APR was reduced. Not sure it's considered AA, but they certainly took action!

[Anonymous]

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@iced

On that note, my data point is Barclays. Card sat in the drawer for 3 years, no charges. Finally got a notice they would close after 30 days. Cut card up. A month later, I receive a letter with a replacement card and my APR was reduced. Not sure it's considered AA, but they certainly took action!

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Cool story!  I'd say that was FA (favorable action?) as you were actually in a better place (APR reduction) following their action.  Interesting that they sort of came off passive aggressive likely trying to get you to use the card, then made it super clear they wanted you to use the card by providing you with a new one.

[Anonymous]

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@Anonymous wrote:

I understand the overall point of your thread, but I'm not sure the format you are going for or thread title is really what you're after. 

It doesn't make much sense for people to post about their card they haven't used for 3 weeks as being "safe" as that would be the case for literally every CC out there and would just congest your thread with unmeaningful data points.

I think what you're really looking for here are data points on lengths of time of inactivity that resulted in AA and if that happened, who was the creditor, product, amount of time without use, etc. 

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I was hoping you'd come on by and give me a hand lol... You articulate very well online thank you! for being such a help to my thread.

[iced]

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@Anonymous wrote:

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@iced

On that note, my data point is Barclays. Card sat in the drawer for 3 years, no charges. Finally got a notice they would close after 30 days. Cut card up. A month later, I receive a letter with a replacement card and my APR was reduced. Not sure it's considered AA, but they certainly took action!

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Cool story!  I'd say that was FA (favorable action?) as you were actually in a better place (APR reduction) following their action.  Interesting that they sort of came off passive aggressive likely trying to get you to use the card, then made it super clear they wanted you to use the card by providing you with a new one.

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My guess is the warning approach is enough to convince most people to do something, and when I didn't they just renewed rather than closing me out. That account's over 10 years old, so maybe they also felt bad about closing it.

It's also just as probable that their systems just don't talk to each other and maybe my card was up for a renewal due to expiration date/chip/something at about the same time and it reset the clock. I guess I'll find out in 3 years.

If they really wanted me to use the card, they'd allow me to PC it to something else. If they really, really wanted me to use their card, they'd make a card that doesn't suck for me to PC to.

[Anonymous]

Haven't there been horror stories of people having the Barclays cards shut down seemingly for little reason?  I guess that can be said of just about every lender, though, if you read these forums enough.  They definitely liked something about your profile to keep your account alive rather than pulling the plug the way they very well could have to someone else.

[Anonymous]

I have not used my BCP in 6 days, no problems so far.

[FinStar]

I have not used my Citi Costco in 9 days, no issues so far.

[Anonymous]

I haven't used my Citi Costco card in 8 days and it's killing me.