HettyGreen:

Life's little ironies:  in today's mail, there's a letter from a bank telling me that because I haven't used a card in over 36 months, they've closed the account.  Perhaps I just wanted this one for emergency use, and the emergency never came, they queried?  If I still want the card....I'm welcome to reapply.

Errrrr, no thanks.    So here we are:  I owe them nothing, but because I haven't used the card in 3 years, they do not wish to carry me.  No problema.

So, today I've exemplified what I wrote about earlier in this thread.  A credit card company can close an account, without notice, for anytime for any reason, even if the message is, "We're not making any money off ya, Queenie, so buh-bye." 

BTW I checked out the myfico.com website.  My credit report will read "account closed by grantor," yet this shouldn't be a problem for any potential lender, according to the website.  My FICO's stratospheric, so if the rest of my report is clean, I don't forsee big problems down the road.  Nevertheless I do plan to retain the letter saying why they chose to do so. Gov, any suggestions of anything else I should do in this case?

(sniffle....I'm so unwanted....)

;)

Hetty
 

yes, those cc companies. they dont want someone who defaults. but they dont want someone who pays all the balance all the time without a finance charge. i always charge some small amount every couple of months. why does Queenie need credit anyways :)

btw, after i popped the question and before we got married, i had Mrs. Dry show me her equifax report (and of course i showed her mine). Gives a whole new meaning to "show me yours and i will show you mine" LOL ROTFL :)

Queenie, read the bold letters. the first one is like a magic pickup line. eliminates the second :)