How does an never used credit card report on your credit report?

by **laurence** on Fri Oct 23, 2009 4:11 pm

If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?

by **melmel** on Fri Oct 23, 2009 4:17 pm

every time you even fill out the application it shows a hit on the report.

by **MrMike970** on Fri Oct 23, 2009 4:23 pm

It shows an open account with a potential for debt. Depending on how high your limit is on this card, it could hurt your overall score.

Best to charge a couple of things on it and keep a low balance. Pay it off completely a couple of times a year.

Credit scoring is like voodoo.

by **margie032** on Sat Oct 24, 2009 3:07 am

It shows on your credit report as X number of dollars credit allowed, zero for maximum use and zero for outstanding balance. But it does a
dd to your credit score just because someone issued it to you.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

How does an never used credit card report on your credit report?