Does Chase like to close unused cards (even if you are using their other cards frequently)?

[Anonymous]

All of my credit cards are currently with Chase, but almost all of my spend goes into their UR cards, so I have a fee-free United card and a Slate which I basically do not use. Is Chase likely to close those accounts after 3/6/9/12 months of inactivity, even if I am running all of my family spend through their other cards?

[creditguy]

Likely? Who can say for sure. Possible? Definitely. Any lender can close for inactivity when they see fit. Just run a few bucks through them now and then and save the worry.

[Anonymous]

I'd recommend running some small monthly payments through cards that never get swiped to keep them active. Keeping them in the sock drawer and never runnning any charges would greatly increase the likelihood they're closed for dormancy.

[ddemari]

Agree with Everyone opinions. Any lender can close you out for non activity. Some people have cards that never get cut with no use usage in years and others have their cards closed out after 1 or 2 years. Just use your card at least once every 3-6 months and save yourself the worry.

[Anonymous]

i have a chase card that for 18 years that i forgot about and apparently so did chase. lol. i recently revived it... i would say that is the exception to the rule though. probably a good idea to put netflix or some such on the sock drawered cards.

[Anonymous]

I tend to use my Chase Amazon card once every 4-5 months (or longer), and they haven't closed it yet.  So they don't seem too aggressive in closing cards for inactivity in my experience.

[Anonymous]

I added all my cards to iPhone Wallet. Rotate between them at MCD or Starbucks App using Apple Pay. Has worked well for me. Make sure you remember to pay the bills though.......

[Anonymous]

That's a solid idea. If the Slate and United are in my Wallet, then I do not need to carry them around either.

I have automatic bill pay set up, plus I'm constantly in the app or on their website, so I shouldn't miss any payments.

[takeshi74]

For any creditor contact that creditor and verify what their policy is on closure due to inactivity.

[Anonymous]

You should product change the slate to a rewards card. I had my Slate changed to a Freedom unlimited. You might be able to change your's to one of the three rewards cards if you don't already have all three (CSP, CF, CFU). This way you can add at least the Slate account to your rotation and no loose out on the rewards points or the history of the account.