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    • Beckt2454744
    • By Beckt2454744 14th Jun 17, 1:59 PM
    • 5Posts
    • 0Thanks
    RBS Credit Card for 'emergency use'
    • #1
    • 14th Jun 17, 1:59 PM
    RBS Credit Card for 'emergency use' 14th Jun 17 at 1:59 PM
    I have a credit card which I keep for emergencies. I've used it maybe 3 or 4 times, always paid back in full. Now I have a letter from RBS telling me if I don't use it they will cancel it. I'm going to be annoying and spend about 5.00 and pay it back straight away so it is not cancelled. Just wondered if anyone else had this issue. I find it quite rude!

    Last edited by Beckt2454744; 14-06-2017 at 1:59 PM. Reason: typo
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    • zx81
    • By zx81 14th Jun 17, 2:06 PM
    • 14,872 Posts
    • 15,700 Thanks
    • #2
    • 14th Jun 17, 2:06 PM
    • #2
    • 14th Jun 17, 2:06 PM
    It's costly for them to provide cards, so not really rude.

    Couldn't you use it for your weekly shopping?
    • Edi81
    • By Edi81 14th Jun 17, 2:14 PM
    • 353 Posts
    • 222 Thanks
    • #3
    • 14th Jun 17, 2:14 PM
    • #3
    • 14th Jun 17, 2:14 PM
    Banks have to hold capital and cash for all credit cards irrespective of whether you use your account or not.

    As a previous poster said this is expensive for them. It's not rude, just good business sense.
    • Ben8282
    • By Ben8282 15th Jun 17, 7:09 AM
    • 2,071 Posts
    • 914 Thanks
    • #4
    • 15th Jun 17, 7:09 AM
    • #4
    • 15th Jun 17, 7:09 AM
    How long is it since you actually used the card? I am guessing several years???
    If you want it, use it.
    If you don't use it, then why keep it?
    No need to be annoyed. Spend the 5000 if you have 5000 to spend. And don't pay it back straight away. Wait until you get a statement then pay it by the due date
    • EarthBoy
    • By EarthBoy 15th Jun 17, 7:59 AM
    • 1,775 Posts
    • 1,095 Thanks
    • #5
    • 15th Jun 17, 7:59 AM
    • #5
    • 15th Jun 17, 7:59 AM
    It's common practice for banks to close credit card accounts if you don't use the cards. In the past I've had this with HSBC, Yorkshire Bank, Halifax and Nationwide. Barclays did the same with a friend
    • venison
    • By venison 15th Jun 17, 8:39 PM
    • 1,479 Posts
    • 1,615 Thanks
    • #6
    • 15th Jun 17, 8:39 PM
    • #6
    • 15th Jun 17, 8:39 PM
    LLoyds cancelled mine due to lack of use, actually I'd never used it, perfectly good business sense, I sometimes pity the banks (not often) but they can't do right for doing wrong sometimes.
    Last edited by venison; 15-06-2017 at 11:11 PM.
    I am a BG on loans,credit cards and benefits I volunteer to help get your forum questions answered and keep the forum running smoothly". Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of
    • Wellard Mann
    • By Wellard Mann 16th Jun 17, 9:07 AM
    • 46 Posts
    • 15 Thanks
    Wellard Mann
    • #7
    • 16th Jun 17, 9:07 AM
    • #7
    • 16th Jun 17, 9:07 AM
    I once had a Halifax card cancelled for lack of use, which I regarded as reasonable as it was probably a year or so since Id made a transaction. My Santander card spells out specifically in its T&C that they may close the account if there have been no transactions or a nil balance for a period of six months or more. They also say they will contact me to determine whether I intend to make any more transactions with the card before doing that. This seems fair enough to me.
    • Beckt2454744
    • By Beckt2454744 16th Jun 17, 2:21 PM
    • 5 Posts
    • 0 Thanks
    • #8
    • 16th Jun 17, 2:21 PM
    • #8
    • 16th Jun 17, 2:21 PM
    Hi all,

    Thanks for the replies!

    I last used it 3 months ago which I don't see as a long period to go without using a card.

    As said in the original post I keep it for emergencies. I'm solvent etc but I have disabled family members who depend on me and, now and then, I need to help them out financially but I don't have enough spare cash lying around to do so which is when the card come in most useful.

    I've since spoken to them and they have offered me a credit card with 'perks', for a fee, even though I don't use this one to their liking.

    I was just looking to see if others had other experiences or thoughts so thank you for the replies.
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