That's a good point!
Just to clarify, I have used it regularly over the past year (usually at least several times a month) for smaller purchases like fast food, etc. I just haven't put large spend on it, like thousands of dollars, in awhile.
I should mention that several years ago, when I was paying off some debt, I used Discover among others for BT offers. My credit line was much lower and I was using a large portion of my available credit at that time, so they have had some high balances on me in the past. (I believe over $14K was highest balance at that time.) I have also used it in the past at times for some heavier spending.
Insignificant use is different to different people. In the past 12 months, my highest usage month was $303 and the lowest was $0 in April, right before I asked for the increase since I was putting spend on a different account. Still, they approved the increase!
By the way, the card I carry right now is the Discover it CHROME (pays 2% on restaurants and gas). I can do better than 2% on food but I have used it some just to keep it current since it is my oldest active account. I previously had a legacy Discovercard, which under the 1990's program didn't even pay a true 1% under the graduated program towards the full 1% payout. (Still, it was an industry leader at the time.) I hate the rotating categories concept so didn't relish having the regular "IT" card. However, I am debating converting my Chrome to an IT or a MILES card. (The Miles pays 1.5 miles per dollar, no AF.)
My monthly charges in order for past 12 months were:
April $0
March $16
February $72
January $64
December $303
November $180
October $79
September $218
August $69
July $9
June $50
May $295
