Using credit cards

[Anonymous]

Still learning how to be responsible with credit cards. How often should cards be used so that they are not closed by the credit grantor?

[kuku4koco]

I'd say a couple times a year.... some people keep a small monthly bill on a card that gets auto pay every month. (small amount like netflix bill).  Other people shuffle their cards and use every 3 to 6 months depending on how many they have.

[Open123]

To be safe, once per quarter should suffice.  With most Issuers, even once per year will be sufficient.

I've had some where I haven't used for 10+ years, and they still keep it open.

[Anonymous]

It helps to have one or two main cards that you use all the time, with others that are used sparingly or for a specific purpose. 

[Anonymous]

Thanks everyone. Wow! 10 years is a long time!

[red259]

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@Open123 wrote:

To be safe, once per quarter should suffice.  With most Issuers, even once per year will be sufficient.

I've had some where I haven't used for 10+ years, and they still keep it open.

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Heh. If you use it now it will probably set off a fraud alert on the card!