psychic wrote:I have a 16 year old Dillard's account that I use just a couple of times a year, simply because it's becoming an "older" account, and I'd like to keep it on my credit reports. I don't even like Dillard's merchandise anymore. But, twice a year I'll try to find something in that store that I like.
You may be over-working that Dillard's card. 
The last payment/date of activity on mine is 04/1998. They continue reporting every month on all three CRAs and the CL (at least on EQ) is factored into my revolving utilization.
denbar2003 wrote:
psychic wrote:I have a 16 year old Dillard's account that I use just a couple of times a year, simply because it's becoming an "older" account, and I'd like to keep it on my credit reports. I don't even like Dillard's merchandise anymore. But, twice a year I'll try to find something in that store that I like.You may be over-working that Dillard's card.The last payment/date of activity on mine is 04/1998. They continue reporting every month on all three CRAs and the CL (at least on EQ) is factored into my revolving utilization.
I hadn't used my Dillard's card from 1999 to 2004. In 2004, I called their credit department to see if the account was still active, and was told that it was closed due to inactivity. In 2005, I looked at one of my credit reports, and it showed that my Dillard's account was still open. I called their credit department once again, and was told that GEMB probably reopened my account, when they took over handling accounts from Dillard National Bank. The rep then asked me if I still had my card, and I told her that I shredded it, because I didn't think it was any good. She told me she'd send me a new card. Anyway, the very next day, FedEx arrived with my new Dillard's card. Dillard's actually "overnighted" my card!!! I thought it was funny, because you never think of needing a Dillard's card so urgently.
