04-30-2009 11:05 AM
04-30-2009 11:08 AM
I NEVER use it... I never reach my credit card max on my other card, I pay it off completely every month, so my discover card just sits in a drawer. It's not hard to leave it open if it helps my credit, just seems kinda useless. This stuff is like a second language to me tho, so if you say keep it open, I will! Thanks!!
FTR, you must use it even for a small purchase every few months or so to ensure it is not closed by issuer for nonuse.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.