topic Re: Minimum Card Use in Credit Cards

Minimum Card Use

NeverTubetheGoose — Sun, 10 May 2020 15:54:57 GMT

I'm working on rebuilding after a chap 7. I have several of the rebulding cards and I am currently gardening. I don't want to have any of them closed for inactivity. Is there a minimum amount I should charge each month to avoid having them closed? I PIF any charges.

Re: Minimum Card Use

coldfusion — Sun, 10 May 2020 15:59:36 GMT

There is no universal truth across all card issuers but putting a charge of $10 or so about every 3-6 months on a card is almost always a more-than-safe option.

Re: Minimum Card Use

Brian_Earl_Spilner — Sun, 10 May 2020 16:07:18 GMT

Just throw a sub on each and set autopay.

Also, your username intrigues me....

Re: Minimum Card Use

NeverTubetheGoose — Sun, 10 May 2020 16:15:36 GMT

Thanks for the advice. Everything is already on autopay, I don't want to make them richer than they already are.

@Brian_Earl_Spilner I work in the medical field and it's a medical reference.

Re: Minimum Card Use

Brian_Earl_Spilner — Sun, 10 May 2020 16:39:04 GMT

Ah, gotcha. Thought it might be because they carry knives.

Re: Minimum Card Use

Remedios — Sun, 10 May 2020 16:42:43 GMT

@NeverTubetheGoose wrote:
Thanks for the advice. Everything is already on autopay, I don't want to make them richer than they already are.

@Brian_Earl_Spilner I work in the medical field and it's a medical reference.

I do too, 15 years, without the 6 years of school, and I've never heard it.

Care to elaborate? I'm rather curious.

Re: Minimum Card Use

coldfusion — Sun, 10 May 2020 17:03:54 GMT

@Remedios "don't intubate the esophagus"

Re: Minimum Card Use

NeverTubetheGoose — Sun, 10 May 2020 17:04:05 GMT

@Brian_Earl_Spilner That's an awesome pic. Mind if I steal it?

@Remedios Never intubate the esophagus

Re: Minimum Card Use

Remedios — Sun, 10 May 2020 17:08:14 GMT

@NeverTubetheGoose wrote:
@Brian_Earl_Spilner That's an awesome pic. Mind if I steal it?

@Remedios Never intubate the esophagus

Ha! I was right.

I thought maybe you were field paramedic at some point, doing intubations without US guidance

Thank you for answering

Re: Minimum Card Use

Guyatthebeach — Sun, 10 May 2020 17:09:06 GMT

I have several cards that I obtained just for rebuilding over the years. I use them at least once a month. I have a spreadsheet that use to track balances and use.

Guyatthebeach

Re: Minimum Card Use

Brian_Earl_Spilner — Sun, 10 May 2020 17:19:15 GMT

@NeverTubetheGoose wrote:
@Brian_Earl_Spilner That's an awesome pic. Mind if I steal it?

@Remedios Never intubate the esophagus

Go for it

Re: Minimum Card Use

Anonymous — Sun, 10 May 2020 17:42:09 GMT

Recurring charges work for me: NetFlix, cell phone, Wi-Fi, etc.

Re: Minimum Card Use

M_Smart007 — Mon, 11 May 2020 17:12:47 GMT

@coldfusion wrote:
@Remedios "don't intubate the esophagus"

Re: Minimum Card Use

M_Smart007 — Mon, 11 May 2020 17:14:05 GMT

@Anonymous wrote:
Recurring charges work for me: NetFlix, cell phone, Wi-Fi, etc.

Amazon is a good one. If you use Amazon. Auto refill the gift card.

Re: Minimum Card Use

Anonymous — Mon, 11 May 2020 21:18:36 GMT

@Brian_Earl_Spilner wrote:
Just throw a sub on each and set autopay.

Also, your username intrigues me....

I thought maybe they were into farm animal colostomies. Glad we cleared that up.

Re: Minimum Card Use

NeverTubetheGoose — Mon, 11 May 2020 21:37:37 GMT

Eeeewwwww🤢🤢🤢

Re: Minimum Card Use

coreysw12 — Mon, 11 May 2020 23:02:51 GMT

Also electric/gas companies are often a good choice - even if you don't owe them anything, they'll typically be happy to take your overpayment and apply it to future balances. Any time I have to charge something to a card for SUBs or just to keep some activity on them, my electric company is my go-to.

My only issue with Amazon gift card reloads is that whenever I see the gift card balance on my amazon account, I just can't help myself and end up buying stuff I didn't really need

Re: Minimum Card Use

Anonymous — Mon, 11 May 2020 23:37:43 GMT

I use my cards once a month for at least one charge. That's not necessary, but I'm "over-insured" in that respect, and I've never had one closed for not enough use.

Re: Minimum Card Use

NeverTubetheGoose — Mon, 11 May 2020 23:46:39 GMT

That's what I'm doing. I'm going to put a small charge on each card and then turn it upside down in my wallet so I remember I used it. I'll flip them back over on the first of the month.

Re: Minimum Card Use

K-in-Boston — Mon, 11 May 2020 23:59:46 GMT

@coreysw12 wrote:
Also electric/gas companies are often a good choice - even if you don't owe them anything, they'll typically be happy to take your overpayment and apply it to future balances. Any time I have to charge something to a card for SUBs or just to keep some activity on them, my electric company is my go-to.

My only issue with Amazon gift card reloads is that whenever I see the gift card balance on my amazon account, I just can't help myself and end up buying stuff I didn't really need

Since the electric and gas utility in Boston charges a $2.25 fee for each $600 increment of payments, I often pay $600 at a time for gas and electric bills.