Best method to keep cards active?

[Anonymous]

kdm... shush. lol

[dwz55]

Im waiting on some banks to close some of my useless cards due to non activity, its been 5 years and I'm still waiting.

[fot1]

I have also purchased some photo prints from Walmart.. Pretty cheap and easy

[Anonymous]

dwz55 many banks don't auto close accounts. you have to request

[CreditCuriosity]

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@dwz55 wrote:

Im waiting on some banks to close some of my useless cards due to non activity, its been 5 years and I'm still waiting.

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You have pretty high Fico's.. Although you aren't using some of your cards banks probably prefer to have you as a customer vs. some people like um me

[dwz55]

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@Anonymous wrote:
dwz55 many banks don't auto close accounts. you have to request

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I know I was just saying I plan to let those accounts close themselves and its been 5 years since they've had activity so the whole keeping them active is overblown. My wife had her account closed by Barclays after 7years of no activity, so there's no need to stress over using them every couple of months in my eyes at least, but I do understand why people worry if they are rebuilding or have a few negatives.

[Anonymous]

only store cards close quickly and it's usually 24 months

[Country_Feller]

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@fot1 wrote:

Netflix and red box keep all mine active..lol I keep my cards in order in the safe.. once i use a card to pay for one of these I put them in the back of the line and next time grab card in front.. Every card gets used in about 2-3 months

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X2

[kdm31091]

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@dwz55 wrote:

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@Anonymous wrote:
dwz55 many banks don't auto close accounts. you have to request

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I know I was just saying I plan to let those accounts close themselves and its been 5 years since they've had activity so the whole keeping them active is overblown. My wife had her account closed by Barclays after 7years of no activity, so there's no need to stress over using them every couple of months in my eyes at least, but I do understand why people worry if they are rebuilding or have a few negatives.

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It's just totally YMMV. Most banks have an "official" policy on inactivity somewhere in terms and conditions. Many Barclay cards officially state that 6-12 months of nonuse is enough for closure. However, that doesn't mean 100% of the time, your account will actually be closed. But since closing is usually irreversible, it pays to be cautious.

As an aside, if you've been waiting 5 years, I'd probably just go ahead and close those accounts vs waiting any longer.

[baller4life]

CC the Amazon trick is tried and true. Just buy yourself a gift card every 3 to 6 to keep your sd cards active. 😉