I applied for a credit card at Gap, TJ Maxx and Babies r us to get the promotional 15% off on the first purchase. I payed the bills for all three right away as I got them. When the cards came in through the mail I did not activate any of the three because I don't plan to shop often at these stores, they have high APRs and I have two other cards that I use on a regular basis for all purchases that have low APR and great rewards. So my question is: If I never called to activate the 3 cards, are they going to show up on my credit history? I don't want that, because it will lower my FICO score. All I wanted was the 15% off.Answer Question
Asked by Anonymous at 11:03 PM on Apr. 7, 2010 in Money & Work
Answer by bloomsr at 11:07 PM on Apr. 7, 2010
Because you really did activate it when you signed the credit application. If you used the account of not an account has been opened in your name. You might want to close them before they charge you an annual fee. Many cards started doing this since the new credit rules went into effect.
Answer by BlooBird at 11:10 PM on Apr. 7, 2010
Answer by DFSNIKKI at 11:38 AM on Apr. 22, 2010