BoA Closed Card due to inactivity

[lhaymond]

I had a 28 year account history on a BoA card with a $30,000 limit closed due to inactivity. I have read through some posts that suggest a reopening is possible, but the vast majority seem to suggest its hopeless. My score took a 56 point hit overnight. Anybody have any luck with BoA reopening? My wife and I have a checking account and another card with a smaller line. Any thoughts other than use and payoff my cards going forward? Thanks

[pizzadude]

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@lhaymond wrote:

 My score took a 56 point hit overnight.

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This increased your revolving utilization ?   What are your other cards / limits / balances ?

[lhaymond]

I have very little revolving credit. I have one Chase card with a $4,000 limit. Overall credit utilization 6%

[Kforce]

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@lhaymond wrote:

I had a 28 year account history on a BoA card with a $30,000 limit closed due to inactivity. I have read through some posts that suggest a reopening is possible, but the vast majority seem to suggest its hopeless. My score took a 56 point hit overnight. Anybody have any luck with BoA reopening? My wife and I have a checking account and another card with a smaller line. Any thoughts other than use and payoff my cards going forward? Thanks

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No real answer to your questions.

However curious as to how long with no use before they closed it ?

[lhaymond]

Several years.... clearly just my lack of education. Had I known I would have managed it.

[CYBERSAM]

Given that you can actually talk and escalate to BOA management, (unlike Cap1) I would say try to see if you can reactivate your card!

[SouthJamaica]

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@lhaymond wrote:

I had a 28 year account history on a BoA card with a $30,000 limit closed due to inactivity. I have read through some posts that suggest a reopening is possible, but the vast majority seem to suggest its hopeless. My score took a 56 point hit overnight. Anybody have any luck with BoA reopening? My wife and I have a checking account and another card with a smaller line. Any thoughts other than use and payoff my cards going forward? Thanks

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Welcome to the forum.

You should certainly try to get it reopened, whether other people do or do not think it is hopeless.

[longtimelurker]

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@SouthJamaica wrote:

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@lhaymond wrote:

I had a 28 year account history on a BoA card with a $30,000 limit closed due to inactivity. I have read through some posts that suggest a reopening is possible, but the vast majority seem to suggest its hopeless. My score took a 56 point hit overnight. Anybody have any luck with BoA reopening? My wife and I have a checking account and another card with a smaller line. Any thoughts other than use and payoff my cards going forward? Thanks

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Welcome to the forum.

You should certainly try to get it reopened, whether other people do or do not think it is hopeless.

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Yes, and promise that you will start using it if reopened (and, if they do, do use it for a while!)  

[coldfusion]

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@Kforce wrote:

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However curious as to how long with no use before they closed it ?

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2 years puts you on their radar.  They at least used to mail you a warning before taking AA that you needed to make a transaction by a stated date else the card would be closed.

[Janneman]

Synchrony closed my card early of last year by reporting me to CRAs that I was deceased...Not that they received some wrong info from SSA or some other ways, rather in the end it was found that the reason was that I didn't use the card for 10 months which sounded weird...Anyway, it took me a while to get the same card re-activated. However,  in OP case, odds are none to impossible to get re-opened, but I would definitely try my best to get it re-opened. If not, then it would be just another HP to get another card with them. It did happen to me in the past when BOA closed my account out of blue even though card was being used regularly....No any negatives or anything with utilization or TCL as well....