unused credit cards

[relief13035]

Well - Sears closed my card this week too. The only card that I have that is still showing open is Gottschalks (a department store in California). It's been only 40 days since filing. Most cards closed within the first week though.

[estreeter34]

Just an update:
I paid the Macy's card balance in full from my previous purchase as planned! Then I used it to make one more small purchase. I have the cash, but if this account stays open and keeps reporting I am hoping it will help my credit rebuilding! I will pay it off before the bill even comes in the mail.

It is much better than applying for some new card and having the hard inquiry on my report...

[Logan]

Same thing here, my Target card got filed with 7k on it and I only had it a little over a year. How I did that I will never know! I hope to never have a credit card again!

In any event I had a providian and capital one, and they both were in good standing with zero balances. Both closed on me and I haven't even gotten to my court date yet.

I think however for a nasty fee there are some places after filing that will allow you to get a low balance card. Some people have been doing that to help rebuild credit. I would think your mortgage and autos will help also if kept current?

I did that with an American Eagle card but they closed the account anyways.