When Will Credit Card Issuers Close Inactive Credit Cards?

[Kforce]

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@K-in-Boston wrote:

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That's good to know.  The rest of my accounts get "some" use.  LOL  Also realized I made a typo; DW has had no activity on the NASA card for 31 months, not 21.

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I have a credit union card that did not see any use for 17 years, and was not closed.

After joining this forum plus a little reading, I now put a little spend on it every few months.

That said I have seen post claiming closures at 5 months, and many at just over 1 year.

It is so easy to charge a few dollars every few months, why not ?

[Lemark]

It depends. I have had as early as 6 months but sometimes they mail letter giving warning of this. I this case it was Wells Fargo. I have also had other people I know not use same card for 2 years and nothing happens.

[Anonymous]

I haven’t used my Hilton and SPG card in probably 8 months.  I could care less if those got closed since they both only have 1k limits (I transferred their limits to ED).

I think the general rule of thumb is to make a small purchase every 6 months if you care whether the card gets closed.

[wasCB14]

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@Anonymous wrote:

I haven’t used my Hilton and SPG card in probably 8 months.  I could care less if those got closed since they both only have 1k limits (I transferred their limits to ED).

I think the general rule of thumb is to make a small purchase every 6 months if you care whether the card gets closed.

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And if you don't particularly care if it gets closed, and your FICOs aren't very dependent on it for age or utilization, it may be best to just close it outright. SD cards can still get fraudulent charges.