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Credit card closed for inactivity: What to do
Not using your credit card can end up hurting your credit score.
If you keep a card in your drawer to avoid overspending or to use for certain occasions like traveling abroad, don’t be surprised if you find it closed for inactivity. This can be frustrating, especially if you want to keep the card.
Closing your credit card account can also have a negative impact on your credit score.
What to do if my card is closed for inactivity
Call customer support as soon as possible and ask them to reinstate your credit card. Some card providers may reinstate your card but beware of a credit check.
In most cases, your card provider will refuse. As an alternative, ask if they can transfer the credit limit to another card you have with them. Of course, if neither attempt works, you can always apply for a similar credit card or for an even better card than your old one.
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Card issuers are often reluctant to reactivate closed credit cards for inactivity. In this case, you could consider applying for a new credit card.
Why was my credit card closed for inactivity?
Credit card providers can close your card for a number of reasons, including inactivity. That’s because they want to move your unused credit limit to other card members who will actually use it.
Avoid getting your credit card account closed for inactivity by using it at least once every three months. Another option is to use the card for subscriptions and recurring charges, like Netflix or Amazon Prime.
Will my credit score be affected if my card is closed for inactivity?
Yes, your credit score will be affected because of changes to your:
- Overall utilization rate.
When your credit card account is closed, you lose your available credit limit. This can hurt your utilization rate, which negatively affects your credit score.
- Credit card account age.
An old credit card that’s closed will shorten your overall credit history. Because this accounts for 15% of your credit score, it may negatively affect that credit score.
When your credit card is closed for inactivity, call your card provider and ask them to reactivate your card. A closed credit card can negatively affect your credit score because of the available credit limit you will lose and because it could shorten your credit history.
But if the card provider doesn’t want to reinstate your credit card account, you can always apply for a new credit card and get back the credit limit you lost.
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