So what's the magic usage frequency with CC's? Once a year? Twice?
The info in the Credit 101 thread and the CC section seems to differ depending on what type of card a person has in order to maximize their credit score. They use the Amex card probably 4 times a year and havent used the Visa in close to 4 years now. Some people advise sock drawering a card or two in order to keep accounts listed on their credit reports, but usage and PIF'ing seems to be a magical endeavor depending on who the card issuers is, versus when they actually report to the CB's as Hauling indicated above.
EQUIFAX - 640 1/05/12 - Goal of 720 by Mid May!
Transunion - 637 - 01/15/10