How often should I use NFCU LOC?

[SCYD]

I have 2 LOC with NFCU.  One for 15K and my husband has one where I am the co-signer for 7K. It's been 6 months since we have used it and quite frankly we don't really need to use it now, but I do not want them to close it for non-usage.  It's nice to have in case we ever need it.

How often should we use it?

Thanks

[baller4life]

Whenever you need it. They won't close it for non use. I just used mine's after a year of no usage.

[Anonymous]

Banks and CUs are less likely to close an LOC for nonuse because there isn't really a transaction fee revenue stream attached, like there is for CCs

[SCYD]

---

@baller4life wrote:
Whenever you need it. They won't close it for non use. I just used mine's after a year of no usage.

---

Great.  Thank You

---

[RonM21]

Only when needed, as stated already. They should not close it being that they are a CU. So, you can continue to manage it smartly as you wish.

[takeshi74]

---

@SCYD wrote:

but I do not want them to close it for non-usage.

---

Not an issue as pointed out but you can always confirm policy on closure due to lack of activity directly with each of your creditors.