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Lose points when a card is used

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Lose points when a card is used

I hope this is the right place for this. If not I apologize. I have a question. Do you lose points every time you use a card that has not been used in a few months? I used one that I had not used in about 3 months and now I have lost 3 points. Can anyone explain this to me? Sorry for any typos I am on my phone. Thanks for any help.
As of October 14, 2018









NFCU Cash Rewards, NFCU Flagship, NFCU Platinum, AMEX SPG, Best Buy Visa, Discover, Marvel, Nissan Visa, Uber Visa, Alliant CU Platinum Rewards, Amex BCE, Amex Everyday, Amex Blue Delta Sky Miles, BB & T Spectrum Rewards, BBVA ClearPoints, Capital One Quick Silver, Chase Freedom, Chevron Texaco Visa, DCU Platinum, Langley Cash Back, Pay Pal Mastercard, RBFCU Cash Back, State Farm Good Neighbor, Wells Fargo Cash Wise, RBFCU Premier Rate, Langley Rewards,Amex Hilton, Amex Green, Ollo Platinum, BOA Travel Rewards, Banco Do Brasil, BB & T Bright, BOA Cash Rewards, Precious Moments (Commerce Bank), Commerce Bank Special Connections, HSBC Platinum Rewards, HSBC Cash Rewards,
Also have NFCU CLOC $15,000


Store cards: Target RedCard Credit, Home Depot, Lowes, Ulta, Amazon
Message 1 of 9
8 REPLIES 8
Valued Contributor

Re: Lose points when a card is used

Greetings,

 

This comes up here often.

You basically received 2 alerts, one for the card that hadn't been used and another for the point drop.

The alert for the point drop, is not necessarily connected to the other alert.

 

It's quite confusing. 

 

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Message 2 of 9
Regular Contributor

Re: Lose points when a card is used


@Pikaboo-icu wrote:

Greetings,

 

This comes up here often.

You basically received 2 alerts, one for the card that hadn't been used and another for the point drop.

The alert for the point drop, is not necessarily connected to the other alert.

 

It's quite confusing. 

 

christmas-smiley-052.gif


Thanks fror the explanation.

As of October 14, 2018









NFCU Cash Rewards, NFCU Flagship, NFCU Platinum, AMEX SPG, Best Buy Visa, Discover, Marvel, Nissan Visa, Uber Visa, Alliant CU Platinum Rewards, Amex BCE, Amex Everyday, Amex Blue Delta Sky Miles, BB & T Spectrum Rewards, BBVA ClearPoints, Capital One Quick Silver, Chase Freedom, Chevron Texaco Visa, DCU Platinum, Langley Cash Back, Pay Pal Mastercard, RBFCU Cash Back, State Farm Good Neighbor, Wells Fargo Cash Wise, RBFCU Premier Rate, Langley Rewards,Amex Hilton, Amex Green, Ollo Platinum, BOA Travel Rewards, Banco Do Brasil, BB & T Bright, BOA Cash Rewards, Precious Moments (Commerce Bank), Commerce Bank Special Connections, HSBC Platinum Rewards, HSBC Cash Rewards,
Also have NFCU CLOC $15,000


Store cards: Target RedCard Credit, Home Depot, Lowes, Ulta, Amazon
Message 3 of 9
Super Contributor

Re: Lose points when a card is used

Where are you getting your score from and why do you think that using a card lowered your score rather than something else?

Message 4 of 9
Regular Contributor

Re: Lose points when a card is used


@BrutalBodyShots wrote:

Where are you getting your score from and why do you think that using a card lowered your score rather than something else?


I am getting the scores from MyFico and I have not done anything else to cause it that I can think of.  Utilization is the same or lower.  No new apps (reports are frozen). 

As of October 14, 2018









NFCU Cash Rewards, NFCU Flagship, NFCU Platinum, AMEX SPG, Best Buy Visa, Discover, Marvel, Nissan Visa, Uber Visa, Alliant CU Platinum Rewards, Amex BCE, Amex Everyday, Amex Blue Delta Sky Miles, BB & T Spectrum Rewards, BBVA ClearPoints, Capital One Quick Silver, Chase Freedom, Chevron Texaco Visa, DCU Platinum, Langley Cash Back, Pay Pal Mastercard, RBFCU Cash Back, State Farm Good Neighbor, Wells Fargo Cash Wise, RBFCU Premier Rate, Langley Rewards,Amex Hilton, Amex Green, Ollo Platinum, BOA Travel Rewards, Banco Do Brasil, BB & T Bright, BOA Cash Rewards, Precious Moments (Commerce Bank), Commerce Bank Special Connections, HSBC Platinum Rewards, HSBC Cash Rewards,
Also have NFCU CLOC $15,000


Store cards: Target RedCard Credit, Home Depot, Lowes, Ulta, Amazon
Message 5 of 9
Community Leader
Senior Contributor

Re: Lose points when a card is used

I think the inactive/active alert has to do with myFICO's fraud and identity theft protection rather than scoring or credit. It just happens that alerts produce updated scores.

Message 6 of 9
Regular Contributor

Re: Lose points when a card is used


@HeavenOhio wrote:

I think the inactive/active alert has to do with myFICO's fraud and identity theft protection rather than scoring or credit. It just happens that alerts produce updated scores.


Thanks for the reply and they help!

 

As of October 14, 2018









NFCU Cash Rewards, NFCU Flagship, NFCU Platinum, AMEX SPG, Best Buy Visa, Discover, Marvel, Nissan Visa, Uber Visa, Alliant CU Platinum Rewards, Amex BCE, Amex Everyday, Amex Blue Delta Sky Miles, BB & T Spectrum Rewards, BBVA ClearPoints, Capital One Quick Silver, Chase Freedom, Chevron Texaco Visa, DCU Platinum, Langley Cash Back, Pay Pal Mastercard, RBFCU Cash Back, State Farm Good Neighbor, Wells Fargo Cash Wise, RBFCU Premier Rate, Langley Rewards,Amex Hilton, Amex Green, Ollo Platinum, BOA Travel Rewards, Banco Do Brasil, BB & T Bright, BOA Cash Rewards, Precious Moments (Commerce Bank), Commerce Bank Special Connections, HSBC Platinum Rewards, HSBC Cash Rewards,
Also have NFCU CLOC $15,000


Store cards: Target RedCard Credit, Home Depot, Lowes, Ulta, Amazon
Message 7 of 9
Regular Contributor

Re: Lose points when a card is used


@CelticThunderJen wrote:
I hope this is the right place for this. If not I apologize. I have a question. Do you lose points every time you use a card that has not been used in a few months? I used one that I had not used in about 3 months and now I have lost 3 points. Can anyone explain this to me? Sorry for any typos I am on my phone. Thanks for any help.


That has happened to me before. I have a habit of paying off some cards just before the statement cut, but every few months or so I let balances report. It usually takes 3 points off when it does.

Work In Progress:
Current Revolving Personal CL: ~$424K


Current Revolving Business CL: ~$95K

Gardening Until Dec 2019 or Until All Scores are back above 800s

Message 8 of 9
Frequent Contributor

Re: Lose points when a card is used

That's right.The cc account that is considered inactive have now posted a current  balance and now the cc is considered active by the Fico scoring model.What has really happened is you have too many cc account balances reported to your cr and now you have not scored the most credit score points for that measurement.All you have is charge a very small  balance on one cc,let report next month,all other cc's at zero.You will earn the most credit score points.

Message 9 of 9