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Keep cards active

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Frequent Contributor

Re: Keep cards active

Use your card once every 6 months so twice a year.

 



Message 11 of 15
Valued Contributor

Re: Keep cards active

It's going to vary from person to person, but it's certainly possible to go 12+ months between purchases without banks batting an eye.

 

It took years for Barclays to close one of my cards for inactivity. Once they noticed, they notified me that I had 30 days to use the card, then offered a lower APR after ~60 days, then finally closed it out after ~90 days. I just came up on the 12 month mark of inactivity with Citi and it's still open. If/when they do close it, I'll make a note as a data point.

 

If you're worried about it or afraid they won't notify you before closing the card, then err on the side of frequent and do something every 3-6 months.

Message 12 of 15
New Visitor

Re: Keep cards active

The best option would be 3 months if you're not using them but still want to keep them active.

Message 13 of 15
Mega Contributor

Re: Keep cards active


@LeannWCain wrote:

The best option would be 3 months if you're not using them but still want to keep them active.


Also, be clear (to yourself) why/if you really need to keep them.   A lot of people have got a bunch of cards early on (in their credit or rebuild) that really have no useful function now.   If you have to struggle to remember to keep them active, evaluate whether their closure would be that impactful!

Message 14 of 15
Valued Contributor

Re: Keep cards active

Eh this is a topic I consistently disagree with the majority here. I've gone 2+ years without using a card and no problem. My buddy recently went 6+ years on his Capital One card and it was still open.

Obviously every bank and card will be different, but having to use your card every 3 months is a little too conservative.

Message 15 of 15
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