View Single Post
      04-30-2019, 01:25 PM   #20
OkieSnuffBox
Major
1803
Rep
1,011
Posts

Drives: '13 135i
Join Date: Jan 2018
Location: OKC, OK

iTrader: (0)

Quote:
Originally Posted by bimmer456 View Post
So BofA was threatening to cancel my credit card if I didn't use it, which would have lowered my credit score. Today was the last day to use it without getting screwed even though I did nothing wrong. With no physical card and thus no security code I couldn't use the card but a stroke of genius told me to add it to Apple Pay. Now credit score is safe. Pretty lame that I would be punished if I didn't charge anything to the card. Seems counterintuitive ya think?
AMEX just cancelled one of my cards, even though I did use it two days before they cancelled it because I got the email.

They went ahead and cancelled because the charge posted the day they planned on closing the account. They wanted a $40 fee to reopen so I could keep my ~$100 in reward points.

So I told them to pound sand, paid off the charge, and left it closed.

I didn't realize they cancelled it until it showed up on my credit score as the account closing.

It only dropped my score 3 points, which is why I told them to pound sand. I've had a Capital One card I haven't used in probably 5 years and they've never threatened to close it.
Appreciate 1
David701567.00