Ding for not using credit card.....really?

[firedogut]

its a local one in Texas.  Branches in Austin and Galveston however you can use any of the shared branches for just about anything.  

if you live in Austin or Houston check them out.   Univeristy Federal Credit Union (ufcu.org).    They keep 100% of the loans in house, even mortgages. 

[smallfry]

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@firedogut wrote:

this is her only card.    I also have one and so does my wife...all issued by the same credit union. the nice thing is that they still cards with 6.9% APR and don't care if you use it.   last time my wife used her card was in 2006 and the credit union said they will not close the account from inactivity. 

just seems dumb you get dinged by transuinon for not using your cards.  pay in cash or debit card and suffer the lower credit score  just seems stupid. 

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All you have to do is pay a small bill online every month to satisfy the scoring algorithm. Not hard.