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Chase credit card - no activity

AndySoCal
Valued Contributor

Chase credit card - no activity

How long does Chae wait before closing a card due to no activity?  I have Chase Freedom Flex there 5% catagories for several quarters 5% catagory is useless to me. Groceries is Walmart Capital One or Custom Cash +5%. Non catagory spend Synchronny Mastercard Premier - 2%. I also have Us Bank Cash+.  I may keep it open with buying the perverbial pack of bubble gum or 2. If not I may close it. Also will Chase product change cards?

FICO Scores XPN 802 TUC 798 v8 EFX 819 (12/2022) FICO 8 Bankcard
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Double Cash 5/2015 11,100 Chase Freedom 09/2021 10,500 Capital One/Walmart 3/2022 3,000 Synchrony Bank MC 05/2022 10000 Banking relationships Discover Bank and Lafayette FCU

Message 1 of 16
15 REPLIES 15
pizza1
Community Leader
Super Contributor

Re: Chase credit card - no activity

I would use it before they decide you dont need the card. Rule of thumb is use at least once every 6 months. once every 3 months for something small us even better....coffee, gas, something you'd normally spend anyways.
Message 2 of 16
Remedios
Credit Mentor

Re: Chase credit card - no activity


@AndySoCal wrote:

How long does Chae wait before closing a card due to no activity?  I have Chase Freedom Flex there 5% catagories for several quarters 5% catagory is useless to me. Groceries is Walmart Capital One or Custom Cash +5%. Non catagory spend Synchronny Mastercard Premier - 2%. I also have Us Bank Cash+.  I may keep it open with buying the perverbial pack of bubble gum or 2. If not I may close it. Also will Chase product change cards?


I really don't know how long Chase tolerates periods of inactivity, mine see a lot of use, but maybe others will have personal experience with that situation. You don't hear a lot about them closing cards for inactivity, so it's probably not 6 months or less.

They are by far more likely to CLD it for inactivity first, so if you aren't using the one you have but would like to preserve CL, you can PC it to other core cards, including CSP and CSR. 

"To The Left" ~ Gandhi
Message 3 of 16
CreditCuriosity
Moderator Emeritus

Re: Chase credit card - no activity

AF cards I woudln't worry such as say IHG/Hyatt/SWA etc and the likes non af cards dunno but every 6 months to be safe.  I rarely use my freedom just due to having to pay attention to rotating category and yet to be closed, but likely due to possibly having some higher AF cards with chase such as Ritz, CSP that use to be CSR and so on.  Not sure how long it has been but has to be close to a year..  Not saying nothing will happen as should at least use every 6 months if not more for a small charge. I try to to do this with other bank cards just do a $5 amazon reload on all my cards every 4ish months other then said chase cardSmiley Happy

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 22.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 15.5k | SECU 20k | Discover 20k | William Sonoma Visa 35k | Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | TD Cash 6k | Truist Cash 10k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | BMO Harris Cash 18.5k | Barclay's Red AA 22k | MFCU 20k | Amex Business Cash 25k | Amex Business Prime 20k | Amex Delta Business Platinum 10k | Amex Business Lowes 10k | AMEX BBP 15k
Message 4 of 16
WasteMgmt
New Contributor

Re: Chase credit card - no activity

I agree with the other posters. I typically will use my SD cards every 3-4 months but some I know just do it every 6 months. Better safe than sorry. Can even do a small gas purchase at the pump for like $3 and be done with it. 


CapitalOne Venture X, CapitalOne Quicksilver, Chase Sapphire Preferred, Chase Freedom, Amex BCE, Wells Fargo Autograph
Last application 9/2022
Message 5 of 16
Citylights18
Valued Contributor

Re: Chase credit card - no activity

I have not used my Chase Freedom for 9 months and there is no indication that its on a path to closure.

 

However I have 7 cards with Chase and I put money on 5 of them last month so overall I'm a good citizen.

Official travel point totals as of 1/5/23 (992,347 Total Points)
Chase Ultimate Rewards 365,510 | IHG One Rewards 182,845 | World of Hyatt 106,105 | AMEX Membership Rewards 101,663 | Marriott Bonvoy 84,039 | Citi Thank You 72,932 | Southwest Rapid Rewards 25,439 | United MileagePlus 13,316 | British Airways Avios 12,333 | Jet Blue TrueBlue 11,661 | Hilton Honors 2,779 | AA Advantage 2,360 | NASA Platinum Rewards 1883 | Navy Federal Rewards 792 | Expedia Points 529 | Delta Sky Miles 175 | Virgin Atlantic Virgin Points 100 | Hotels.com Rewards 6/10 ($135.99) | Discover CB 5,384 ($53.84) | Amazon Rewards 1,380 ($13.80) | Lowe's Business Rewards 1,122 ($11.22)
Message 6 of 16
AndySoCal
Valued Contributor

Re: Chase credit card - no activity

Thank you everyone for your input.   After research last evening the Affinity cash rewards card is of interest . The Amazon and bookstores at 5% year round is the primary reason. This would add a 5% catagory year round rather than for 3 months.  I am thinking about becoming a member and apping for the card.  I first need to pay the credit bill(s) that contain all the holiday spending. I will them off in full as I usually do. If I  decide on this path it will be in a few months.

FICO Scores XPN 802 TUC 798 v8 EFX 819 (12/2022) FICO 8 Bankcard
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Double Cash 5/2015 11,100 Chase Freedom 09/2021 10,500 Capital One/Walmart 3/2022 3,000 Synchrony Bank MC 05/2022 10000 Banking relationships Discover Bank and Lafayette FCU

Message 7 of 16
sophiebelle
Member

Re: Chase credit card - no activity

Back in 2019, when I didn't know much about credit and my score wasn't that great, I applied for the Chase Slate and got it with a tiny 1K limit. I already had the Chase Freedom Unlimited that I occasionally use, but I have not used that Slate card ONCE since I got it. 

 

YMMV. 

Message 8 of 16
Aim_High
Senior Contributor

Re: Chase credit card - no activity

I have a good bit of Chase experience, @AndySoCal.  I've had at least one card with them since 2000.  I agree they are not likely to close or CLD as quickly as some other lenders.  I had a similar situation that you and @CreditCuriosity where I applied for the (original) Freedom card and then decided the rotating categories weren't as useful as I had expected.  I allowed it to go for a little over 12 months without closure.  Then, they notified me it would be closed if not used within (I believe) 60 days.  I thought about it and preemptively closed it, combining the limits with other cards. 

 

So on average, I would think most Chase cards can go about 12-18 months without closure, but I wouldn't push that if you don't want to lose the account.  Like others have mentioned, the "at-a-minimum-six-months-usage" is a good rule of thumb for the majority of cards that you want to keep alive. 

 

Also, although it doesn't apply in this situation, AF cards like Marriott can most likely stay open without swipes indefinitely.  That's because at a minimum, you've got annual activity for the AF and the payment, while still getting the benefits such as elite status or free nights.  IMO, AF cards tend to stay open easier to no-AF cards since the lender is reaping some revenue from the card without swipes. 

 

Moving the limit to another Chase card is easy with them if you have another one to move it to.  For me, they allowed me to move 100% of the limit as long as there was no activity within the previous six months. 

 

No one has answered your product change question yet.  Yes, they do, but the specific details depends on the card family you're moving from or to.  With a Freedom Flex card, you can PC to a Freedom Unlimited or to a Sapphire Preferred or Sapphire Reserve.  You can't PC to a cobranded card such as a Marriott, Hyatt, Southwest, or United. 



Length of Credit > 39 years; Total Credit Limits $734K
AoOA > 29 years (Jun 1993); AoYA (Oct 2022)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 9 of 16
AndySoCal
Valued Contributor

Re: Chase credit card - no activity

@Aim_High  Thank you for all the good information. I am leaning at this point of apping for Affinity FCU Cash rewards with 5% at Amazon and bookstores.  I would close Chase Freedom if I decide to this. Doing this would provide an additional 5% catagory that the other cards do not have year round.

FICO Scores XPN 802 TUC 798 v8 EFX 819 (12/2022) FICO 8 Bankcard
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Double Cash 5/2015 11,100 Chase Freedom 09/2021 10,500 Capital One/Walmart 3/2022 3,000 Synchrony Bank MC 05/2022 10000 Banking relationships Discover Bank and Lafayette FCU

Message 10 of 16
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