Question: how often do i need to charge my cc to avoid inactivity?
Answer: To be safe, use your credit card at least once every three to six months. While some card companies allow a year or more of zero activity, others may close an unused account after six months, which can lower your available credit and hurt your credit score.
Best Ways to Keep a Card Active
Autopay in full: Keep your balance set to automatic monthly payments so you never pay interest.
Small recurring bill: Set a tiny monthly or streaming subscription (like $1 or a music app) to autopay on the card.
Occasional purchase: Buy a small item like a pack of gum or a cup of coffee every few months.
Basic MS
Annual or Bi-Annual plans available for $1.
