Thursday, July 16, 2009

Is it possible to apply for a credit card and never use it? Will I get charged for having it?

The only reason I want one is because I want to get the free $25 gift card from Barnes and Noble.



See offer:



http://www.barnesandnoble.com/membership...



Is it possible to apply for a credit card and never use it? Will I get charged for having it?loan forgiveness





some cards have a fee charged every month if a min balance is not met



Is it possible to apply for a credit card and never use it? Will I get charged for having it? loan



You could get it and perhaps use it but pay the bill off fully.|||Well you have to use it at least once to get the voucher, I quote



%26quot;After your first purchase we%26#039;ll send you a $25 Barnes %26amp; Noble Gift Card. It%26#039;s our way of saying %26#039;thank you%26#039; for becoming a cardmember.%26quot;



For a $25 dollar voucher, probably more trouble than it%26#039;s worth! However the card apparantly doesn%26#039;t have an annual fee.|||Yes, you don%26#039;t ever have to use it. I have heard having open lines of unused credit can have a negative effect on your credit score. Also if don%26#039;t use the card the company will cancel it after certain period of time.|||Read the fine print; you have to use it once to get the gift card.

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