CC usage required

[joeblow2]

Does anyone know how often you need to use a Captial One CC before they will close it ?

[Anonymous]

Anecdotal data suggests that Cap One doesn't close accounts for inactivity.  I don't plan on using my card very often, I'll report back in a year or so.

[joeblow2]

Anyone know about Chase, Citi , or Barclay cards?

[David_]

I had a Barclay Apple Financing and it was closed due to 6 months of inactivity. I tried to merge it with my Barclay Rewards card and they told me to wait a few months. The few months just happened to go over the 6 month mark and it was closed. Thanks Barclay!

[Anonymous]

I had a Cap1 Plat that I didn't use for nearly 5 years and they still didn't close it. They even offered to PC to QS and gave me a CLI from $750 to $5k. 

[psm]

For cards I want to keep open I put Netflix or Hulu or some recurring charge on it. Then have an autopay that pays it before statement cut so it is always 0 reporting. I have three like that after a CU card was closed on me after no use in 12 mos

[joeblow2]

Anyone else have experiences with Barclay Reward card closures for inactivity ?

[Anonymous]

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@joeblow2 wrote:

Anyone else have experiences with Barclay Reward card closures for inactivity ?

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With Barclays, after a year they will send you a letter notifying you of closure if not used.  If you still don't use it and then they close it.  But they will let you know before the account is closed.

[Anomalous]

To avoid that, I would make it a habit of charging something every six months. The simple purchase of an everyday household essential would do the trick, then one wouldn't have to worry about account closures. 

Create a calendar alert to remind you to do so.

[takeshi74]

I'd suggest verifying with your creditors versus relying on posts since you'd have to verify the data anyway.