unused cards

[determinedchick]

Will AmEx or Chase close your account or decrease your limit if you don't use their cards for a period of time?

[Anonymous]

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@determinedchick wrote:
Will AmEx or Chase close your account or decrease your limit if you don't use their cards for a period of time?

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Definitely possible with any card.  If you're concerned, I would set them to pay for some small recurring charge every month and put the card on autopay.

[determinedchick]

Hmm, great idea. Thanks

[Anonymous]

+1. I have one of my cards on recurring auto pay for my cell phone bill and another for recurring auto pay for my cable/internet bill.

[drjones]

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@determinedchick wrote:
Will AmEx or Chase close your account or decrease your limit if you don't use their cards for a period of time?

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You might find if there's a certain bill that happens to have the best benefit from one of those cards and use it via autopay, then auto PIF your card.

For example, Wells Fargo provides free cell phone insurance if I pay my cell phone bill with my Wells Fargo Platinum card. So I have that one bill setup on autopay through my provider, then I have my checking account PIF my WF card every month.

That way, you don't have to worry about keeping the card active, and you get some benefit by using the card.

[determinedchick]

Thanks for the advice!

[Jerry45]

Good point

[Jerry45]

One of my cards has a 9k limit, but I only put about $50 a month on it and PIF. I try to do them in small transactions to give the CC some swipe fees. Do you think that will satisfy the Bank, Irish?

[Jerry45]

Off topic, but big win for ND Basketball against Duke. Great Game

[Anonymous]

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@Jerry45 wrote:

Off topic, but big win for ND Basketball against Duke. Great Game

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Yes indeed :-). Thanks!