Another Store Account Closed

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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JonE
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Re: Another Store Account Closed

Postby JonE » Wed Dec 16, 2015 8:08 am

Amazon just does more for me with a bigger (albeit still pretty small) limit of $800, and I'm a prime member so I get the 5% cash back. Discover has the TU FICO, as well as a LOT more going for it than Walmart. I'm weighing the cost of just putting it in the sock drawer vs. just outright cancelling since $400 won't put a sizable dent in my utilization if it's gone.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD


augiedog
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Re: Another Store Account Closed

Postby augiedog » Wed Dec 16, 2015 4:32 pm

My Amazon store card self-closed due to inactivity. They didn't even send me a letter, I found out through Credit Karma. This is the first account to ever close itself on me. I logged into the bank just to see this "$0 credit line". I never needed it anyway, except for the free gift card that came with signing up.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

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CarefulBuilder14
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Re: Another Store Account Closed

Postby CarefulBuilder14 » Wed Dec 16, 2015 5:22 pm

augiedog wrote:My Amazon store card self-closed due to inactivity. They didn't even send me a letter, I found out through Credit Karma. This is the first account to ever close itself on me. I logged into the bank just to see this "$0 credit line". I never needed it anyway, except for the free gift card that came with signing up.

Approximately how many months of inactivity did it take to close?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

kdm31091
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Re: Another Store Account Closed

Postby kdm31091 » Wed Dec 16, 2015 5:24 pm

augiedog wrote:My Amazon store card self-closed due to inactivity. They didn't even send me a letter, I found out through Credit Karma. This is the first account to ever close itself on me. I logged into the bank just to see this "$0 credit line". I never needed it anyway, except for the free gift card that came with signing up.


Many issuers do not send a letter. Occasionally they will to warn you the account is about to be closed if you don't use it soon, but often the closure happens without fanfare.

augiedog
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Re: Another Store Account Closed

Postby augiedog » Wed Dec 16, 2015 6:08 pm

CarefulBuilder14 wrote:
augiedog wrote:My Amazon store card self-closed due to inactivity. They didn't even send me a letter, I found out through Credit Karma. This is the first account to ever close itself on me. I logged into the bank just to see this "$0 credit line". I never needed it anyway, except for the free gift card that came with signing up.

Approximately how many months of inactivity did it take to close?


A full 24 months of no activity at all.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

saba
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Re: Another Store Account Closed

Postby saba » Sat Aug 06, 2016 12:56 pm

Good- hey, if you don't use it, not a big loss I guess.

JonE
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Re: Another Store Account Closed

Postby JonE » Mon Aug 22, 2016 10:19 am

Amazon I mainly use for $50 gift cards for special occasions (birthdays, anniversaries, etc) so that should keep it active a while, although at $800 CL it's about all that's good for.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

droid
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Re: Another Store Account Closed

Postby droid » Mon Jan 23, 2017 9:25 pm

My cabela's card was not used for 24 months and they closed it. It was a big hit to my credit at the time but since then I've opened more cards that I will actually use. The only store card I like is the Bestbuy card that let's you use it anywhere from citibank. I have a furniture row card I'm planning on closing.



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