WalletHub, Financial Company
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Yes, your Victoria's Secret Credit Card can be closed due to inactivity. The issuer recommends that you use your card at least once every other month to avoid your account potentially being closed.
If your account is closed, your credit score will be negatively affected. This is because both your credit history and credit utilization ratio will change. It’s also worth noting that you may not be notified when the card is closed.
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Julie Toney, Member
@jamcwtalm847104
They closed my account because I didn't use my card in 4 months after paying off a $750 balance. I had this card for over 7 years & for two months consecutively (during the pandemic) they dropped my credit balance by $200 ($400 total) which dropped my credit score 150 points then closed it due to my credit score dropping & not using it within 4 months. Just because our local store is closing doesn't mean you do that. I have reported to the BBB & do not recommend Comenity to any person. I even closed my Ulta account because I don't want to use a company that treats customers that way.
The same thing happened to me. I went to make a purchase and found out they had closed out my card! I don’t know if I want another one through them or not. I guess they weren’t making enough money off me in interest.
The same thing is happening to me. My husband came back from deployment and had an owing fee of $300 and it’s constantly taking money out. The woman who registered our card said it was a membership but never mentioned it was a credit card. It’s still taking out money and we’ve tried closing the account. Such scammers, we have never ever used this card so why are they withdrawing money?!!!
People also ask
Will my credit score go down if I don't use my Victoria's Secret Credit Card?
Yes, your credit score will go down if you don’t use your Victoria's Secret Credit Card at least once every 2 years. That's because after 2 years of inactivity, the issuer might close your account, and that could hurt your credit score. Still, your credit standing should rebound in a couple of months, as long as you have other open accounts that you’re paying on time.
However, if the inactivity period is less than 2 years, then...
read full answer by John Miller, Credit Cards ModeratorWill my Fingerhut credit card be closed due to inactivity?
Yes, if your Fingerhut Credit Card will be closed due to inactivity if you don’t use your card for about one year. Keep in mind that inactivity means that there haven't been any purchases or transactions for a long period. So, if you make at least one purchase a year it should be enough for your account not to be closed.
read full answer by Maria Adams, Credit Cards ModeratorHow do I check if my credit card is still active?
The easiest way to check if your credit card is still active is to contact customer service by calling the number you see on the back of your card. A customer care representative should be able to help you find out whether your card is inactive or not. Depending on the credit card you have, there might be several other ways to see if it’s still active.
Ways to Check if Your Credit Card Is...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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