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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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How often to charge to keep CC open?

I just got approved last week for a Best Buy store card with a $2500 limit. I charged $2200 worth of electronics on it for the new home I just purchased. I plan to PIF within the next 3 weeks. I don't go to best buy all that often but I would like to keep the card open to build some history. I was wondering how often I need to make a small purchase so they don't close it? Thanks. :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Frequent Contributor
Posts: 371
Registered: ‎12-30-2012
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Re: How often to charge to keep CC open?

probably about every six months. I am sure it varies. I had not used my discount tire card since 2011 and made my last payment in jan 2012 and its still open. I bought a tank of gas at exxon and it still worked. 


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
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EQ-742 EX-702 TU-737
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: How often to charge to keep CC open?

Okay great! Thanks! I was planning for every 3 months but it is good to know that I can stretch it further. I might call Cap1 and ask too. :-) this Best Buy card will come in handy around Christmas time too!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: How often to charge to keep CC open?

Once a year is likely enough, especially if it more than a small purchase.

Senior Contributor
Posts: 4,693
Registered: ‎12-11-2011
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Re: How often to charge to keep CC open?

The general consensus is usually one use every 6-12 months, 6 to be on the safe side. It varies by lender but I've never seen anything less than a year really.
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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: How often to charge to keep CC open?

Okay, thanks Wolf for your response as well. I made a pretty big purchase!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: How often to charge to keep CC open?

Thanks jsucool :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Member
Posts: 85
Registered: ‎02-08-2013
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Re: How often to charge to keep CC open?

An alternative is to set some recurring bill like water, electric, phone, cable, etc. to your cards. That's how I keep 6 of mine open without having to ever actually use them.


Total CL $179k | Budget Management | FICO Scores (TU 693) (EX 718) (EQ 729) | EIDT Me+Spouse Plan
Frequent Contributor
Posts: 296
Registered: ‎08-28-2012
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Re: How often to charge to keep CC open?

I haven't used my Macy's Store Card in two years and it's still open.

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards
FICO: TU 795 Last App: November 2012
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: How often to charge to keep CC open?


MovingForward_2012 wrote:
I just got approved last week for a Best Buy store card with a $2500 limit. I charged $2200 worth of electronics on it for the new home I just purchased. I plan to PIF within the next 3 weeks. I don't go to best buy all that often but I would like to keep the card open to build some history. I was wondering how often I need to make a small purchase so they don't close it? Thanks. :-)

I 'd do it at least every 4 months. I know they account review every 6 months and keeping moderate activity on it should keep you in line for auto-CLI's.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
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