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Minimum Card Use

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NeverTubetheGoose
Regular Contributor

Minimum Card Use

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.

BK7 filed 5/19/19, discharged 9/20/19 (lesson learned, some people aren't meant to be business owners and should stick to their day job, some people is me)




Total Available: $93,000
Goal: the Delta Platinum Reserve AmEx, Marriott Brilliance AmEx, Marriott Bonvoy Business AmEx
Message 1 of 21
20 REPLIES 20
coldfusion
Community Leader
Mega Contributor

Re: Minimum Card Use

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.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 21
Brian_Earl_Spilner
Credit Mentor

Re: Minimum Card Use

Just throw a sub on each and set autopay.

 

Also, your username intrigues me....

    
Message 3 of 21
NeverTubetheGoose
Regular Contributor

Re: Minimum Card Use

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.

BK7 filed 5/19/19, discharged 9/20/19 (lesson learned, some people aren't meant to be business owners and should stick to their day job, some people is me)




Total Available: $93,000
Goal: the Delta Platinum Reserve AmEx, Marriott Brilliance AmEx, Marriott Bonvoy Business AmEx
Message 4 of 21
Brian_Earl_Spilner
Credit Mentor

Re: Minimum Card Use

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

5a72f6b64dc68306a8a8569a9ca71b59.jpg

 

    
Message 5 of 21
Remedios
Credit Mentor

Re: Minimum Card Use


@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. 

Message 6 of 21
coldfusion
Community Leader
Mega Contributor

Re: Minimum Card Use

@Remedios  "don't intubate the esophagus"

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 7 of 21
NeverTubetheGoose
Regular Contributor

Re: Minimum Card Use

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

 

@Remedios Never intubate the esophagus

BK7 filed 5/19/19, discharged 9/20/19 (lesson learned, some people aren't meant to be business owners and should stick to their day job, some people is me)




Total Available: $93,000
Goal: the Delta Platinum Reserve AmEx, Marriott Brilliance AmEx, Marriott Bonvoy Business AmEx
Message 8 of 21
Remedios
Credit Mentor

Re: Minimum Card Use


@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 

Message 9 of 21
Guyatthebeach
Valued Contributor

Re: Minimum Card Use

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

Message 10 of 21
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