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I chose to open an Old Navy card at the store one day to get the extra 20% off of my purchase. I planned on never using the card really. I didn't know they would charge my purchase onto the card, so I had them take it off of the card, but it is still open. I haven't activated the card yet since I do not plan on using it, but I am wondering if I should close the account now, or just leave it open forever? I've got a good credit score now and I don't want to hinder it. Thanks for any input.
If you are not gonna use the card then close it... very simple call the credit card company and TELL them you want to close the card. Then cut the card in half, and write a letter stating very simply- Dear Sir, I am writing to confirm our telephone conversation of (date) in which you were notified of my request to close this account, effective immediately... Please forward me a final bill, and update your records accordingly... In addition, I would also request that you notify any and all credit reporting agencies that this account is now, in fact, closed at the consumers request. I look forward to your reply to this request in the days to come, Sincerely John Q Customer 5123 Anytown RD Big Gunns, ohio 51927 (772) 555-1212 Keep a copy of the letter for your records, and mail the card, and the letter, Certified Mail, Return Receipt Requested to the CUSTOMER SERVICE SUPERVISOR at your credit card company. give them 30-60 days to confirm the account is closed, and then do a consumer credit report pull on yourself, to confirm that your file has been updated... Do not leave this account open, this is how identity theft happens...
First, pull your free credit report ( from each of the three agencies (Experian, Equifax and Transunion). Check to see if any of them show this account in their list of lines of credit for you. If not, they never actually pulled your credit and approved you for a card. If this account is listed, they went through the whole process and you now have a credit account with Old Navy. If you do have an account and are not worried about you or someone else using it, just hold onto the card. Most stores will automatically close your account for you after a period of non-use. (I just had one closed recently after not using it for 2 years). This looks way better on your credit than when you request it be closed. If you are worried about spending money you can't afford to pay back on this card, then take the proper steps to close the account and keep checking your credit report until it shows closed. Get written verification from Old Navy that the card and account is no longer open and your balance is zero.
In order to get that extra 20% off, you need to apply for a card, use the card for the first purchase and be approved for the card. If the balance is $0 and you don't plan to use it, you can close it anytime. Your credit wouldn't change if you don't plan to use it.
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