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View Full Version : Deadline to activate credit card?

hugewallet
Mar 25th, 2009, 01:14 PM
I received my MBNA mastercard two weeks ago and have not activated it. Do I have to activate it within a certain time or it will be cancelled?
angel_wing0
Mar 25th, 2009, 01:19 PM
i dont think so...unless its a rbc visa.

My TD Green has not been activated since 03, and i just activated it last week so i can upgrade it to the infinite :D
hugewallet
Mar 25th, 2009, 01:22 PM
I used to have a RBC visa, when they mailed the new card to the branch and i was so lazy that i did not go pick it up until a year later. I was told at the branch that it had been cancelled. I was advised to apply again. I said no. I am not impressed by RBC.
angel_wing0
Mar 25th, 2009, 01:25 PM
I used to have a RBC visa, when they mailed the new card to the branch and i was so lazy that i did not go pick it up until a year later. I was told at the branch that it had been cancelled. I was advised to apply again. I said no. I am not impressed by RBC.

Yip they will cancel it WITHOUT WARNING if u have not used/activated the visa for a long time. Thats why i wont bank with rbc anymore.
hugewallet
Mar 25th, 2009, 01:28 PM
RBC is the world's 10th largest bank now. they dont like small customers like us.
asdfvcx
Mar 25th, 2009, 01:43 PM
they dont like small customers like us.
You didn't pick up a credit card for a year and you're surprised it was canceled? And you somehow think it's because the bank doesn't like you?

I expect having unactivated credit cards living around forever is quite the security risk for the bank. It's also a pain (and a cost) for the branch, which has to store it securely. And it's probably also a big pain from an accounting standpoint to have all of these unactivated accounts lying around.

And since you also seem to be in the bizarre habit of applying for credit cards and not activating them, I also wouldn't be surprised if you were a bit of a credit risk.

Although if you want to delude yourself that this has something to do with the bank not liking small customers, go ahead. Just realize that many of us think it's a perfectly reasonable practice.
angel_wing0
Mar 25th, 2009, 01:49 PM
Just realize that many of us think it's a perfectly reasonable practice.

It's reasonable if a warning has been given. If RBC has give me a warning i would have start using the card again so that it won't get cancelled. My card is even activated and has been used for 2 months before i move on to my amex for the next 3 years...