Credit Tips: What Happens if I Don’t Activate My Credit Card?

Posted On: November 1, 2005

Author: rain
Posted: Fri May 06, 2005 2:39 am
Post subject: What Happens if I Don’t Activate My Credit Card?

Does anyone know what happen when you get approved for a cc, they mail you the cc, but you don’t activate it? Specifically, what happens to your credit score?

Author: mouse
Posted: Fri May 06, 2005 7:02 am
Post subject: What Happens if I Don’t Activate My Credit Card?

Activate or not…the card will show up on 1…2…or 3 CRA’s

(sometimes BEFORE you get the card in the mail)

ACTIVATE tells them you GOT the card

It does not prevent it from reporting “IF” you don’t activate it

Author: HeMissedOut
Posted: Fri May 06, 2005 7:17 am
Post subject: What Happens if I Don’t Activate My Credit Card?

You’ve already taken the score hit from the inquiry when you applied. Mind as well activate it.

Like mouse said, it’s going to report whether you activate it or not.

Author: Polonius
Posted: Fri May 06, 2005 10:30 am
Post subject: What Happens if I Don’t Activate My Credit Card?

I’m not sure about that. I’ve gotten a few cards that I decided not to activate–and they never appeared on any credit report. But I was always careful to call the issuers and tell them I was NOT going to activate.

Credit Tips: What Happens if I Don’t Activate my Credit Card?

Posted On:

Author: Guest
Posted: Mon Jul 12, 2004 10:42 pm
Post subject: What Happens if I Don’t Activate my Credit Card?

I know that opening and closing accounts (even in good standing) is not good for your credit. With that in mind my question is this:

The other day I applied online for a Citibank Shell Gas card. (5% rebate on all shell gas). Then I found the Citi Dividend Select Mastercard which is 5% off of all gas stations and a few extra perks, so I allied for that one as well. I now don’t need the original Citi Shell Card. If I don’t call to activate the account and never use the card, is it still considered an opened account? Would it have a negative effect on my credit?

Author: mouse
Posted: Tue Jul 13, 2004 7:11 am
Post subject: What Happens if I Don’t Activate my Credit Card?

Activate the card shows that you received the card.

It will most likely show up on your credit report sooner than later (even if you don’t use it)

I have had cards show before I got it in the mail.

Call and ask to combine the credit limits and close the SHELL card if you want.

You won’t be hurt any more than you already have.