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Don’t let them shut your card down



Last Verified: March 22, 2023

Keeping a credit card active is one of the simplest ways to maintain good credit health. Inactivity can lead to account closures, which could result in a negative impact on your credit score. Creditors are always looking for ways to cut costs, and closing inactive accounts is one way they achieve this. Therefore, it’s essential to use your credit cards every few months to ensure that they remain active.

Using a credit card doesn’t mean that you need to make a significant purchase every time. A simple way to keep your account active is to use the card for recurring bills such as your cell phone or internet bills. By doing this, you’re ensuring that your credit card company considers your account active.

It’s worth noting that if you carry a balance on your credit card and make regular payments, your account is still considered active by the credit card company. Inactive accounts only refer to those that have no balance and have not been used for some time.

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