{"id":8528,"date":"2024-07-03T10:00:15","date_gmt":"2024-07-03T16:00:15","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=8528"},"modified":"2024-09-04T12:26:20","modified_gmt":"2024-09-04T18:26:20","slug":"will-my-credit-score-drop-if-i-dont-use-my-cards-regularly","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/will-my-credit-score-drop-if-i-dont-use-my-cards-regularly.html","title":{"rendered":"Will my credit score drop if I don\u2019t use my cards regularly?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2016\/04\/shutterstock_146921150.jpg\" rel=\"attachment wp-att-8531\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/04\/Will-My-Credit-Score-Drop-If-I-Dont-Use-My-Cards-Regularly_.jpg\" alt=\"\" class=\"wp-image-15394\"\/><\/a><\/figure><\/div>\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noopener noreferrer\">See Lexington Law\u2019s editorial disclosure for more information<\/a>.<\/em><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-8a2c7cf418d9a57b9b74b102ab33597a\" style=\"background-color:#00214f\">No, your credit shouldn\u2019t take a hit if you don\u2019t use your credit cards regularly.<\/p>\n\n\n\n<p>You\u2019ve stopped using your credit cards and begun to wonder if that will impact your credit. You may be at the point of considering closing your card. Fortunately, not using a credit card is actually good for your credit health, while closing a card that you don\u2019t use can have a negative impact on your credit.&nbsp;We\u2019ll cover the possible consequences of both card inactivity and card closure here for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-is-a-credit-card-considered-inactive\">When is a credit card considered inactive?<\/h2>\n\n\n\n<p>The criteria for when a credit card is marked inactive varies from lender to lender. Generally speaking, not using your credit card for just a few weeks won\u2019t make it inactive. For most card lenders, inactivity of over 6 months to a year is considered inactive.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-possible-consequences-of-inactivity-to-know\">Possible consequences of inactivity to know\u00a0<\/h2>\n\n\n\n<p>There are benefits to not using your credit card. If you aren\u2019t using a card, you\u2019re not acquiring debt (or you\u2019re acquiring less of it). Which is a positive for those seeking home ownership in the near future because your debt to income ratio is low. Unfortunately, there are some possible negative consequences of inactivity you should be aware of.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-you-could-lose-rewards\">You could lose rewards<\/h3>\n\n\n\n<p>Many major banks offer comparable interest rates, but what makes one card stand out from another is its benefits. After all, if used responsibly, you can make your credit card work for you with travel rewards, cashback incentives or even perks like airport lounge access.&nbsp;<\/p>\n\n\n\n<p>But if your card is marked inactive, there\u2019s a high probability you\u2019ll lose any rewards you were collecting. This can especially sting if you have a significant amount saved up. You can avoid this problem by using up all the rewards before stopping all activity on the card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-possible-cancellation-of-your-card-by-the-lender\">Possible cancellation of your card by the lender<\/h3>\n\n\n\n<p>Cancellation due to inactivity has potential adverse consequences.. The five credit factors that make up your FICO\u00ae score are:<\/p>\n\n\n\n<ul>\n<li>Payment history<\/li>\n\n\n\n<li>Credit utilization<\/li>\n\n\n\n<li>Length of credit history<\/li>\n\n\n\n<li>Credit mix<\/li>\n\n\n\n<li>New credit<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/credit\/credit-utilization\">Credit utilization<\/a> is a big factor impacting your credit health. Your credit utilization ratio is the balance of credit available to you versus the amount of credit you\u2019ve used in any given month. Ideally, you want to keep your credit utilization ratio at or below 30percent.<\/p>\n\n\n\n<p>So, let\u2019s say you have three credit cards: Credit Card A has a limit of $5,000, Credit Card B has a limit of $5,000 and Credit Card C has a limit of $10,000.<\/p>\n\n\n\n<p>In an average month, you spend $4,000 out of the $20,000 you have available to you. So, your credit utilization is sitting at 20 percent, which is good (because it\u2019s below 30 percent).<\/p>\n\n\n\n<p>You decide you don\u2019t need to use all three credit cards and stop activity on Credit Card C. Maybe your card is canceled due to your inactivity after a year, or maybe you choose to close the card yourself because you don\u2019t think you need it anymore.<\/p>\n\n\n\n<p>Now, your available credit has dropped from $20,000 to $10,000. However, your spending has remained constant. So, you\u2019re carrying a balance of $4,000 a month when you have access to $10,000. This leaves you with a credit utilization of 40 percent, which is above the recommended amount. As a result, your credit could be negatively affected.<\/p>\n\n\n\n<p>That\u2019s why it\u2019s vital to understand the importance of maintaining your credit cards\u2014your credit doesn\u2019t have to be impacted if you\u2019re smart about how to effectively utilize it. Consider your card\u2019s total credit limit versus all the credit available to you before choosing to close your card or effectuating closure due to inactivity. .<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-tips-to-follow-if-you-have-an-unused-credit-card\">4 tips to follow if you have an unused credit card<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-pay-off-the-remaining-balance\">1. Pay off the remaining balance<\/h3>\n\n\n\n<p>Pay off, in full, all cards before moving to inactive status. Even the smallest forgotten expense can start to accrue interest, become an unpaid debt and significantly hurt your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-keep-checking-your-account\">2. Keep checking your account<\/h3>\n\n\n\n<p>After you pay off and stop using your card, it\u2019s still important to <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/manage-credit-cards\">check in on it<\/a> regularly, maybe even monthly. This is to ensure you\u2019re not missing any identity fraud that could be happening on the card. Imagine if someone gained access to it and you only checked it once a year. That\u2019s an entire year\u2019s worth of purchases they could make in your name, damaging your credit.<\/p>\n\n\n\n<p>The card is under your name, so even if you\u2019re not using it, it\u2019s your responsibility to check the account often for suspicious activity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-decide-if-you-want-the-account-to-stay-open\">3. Decide if you want the account to stay open<\/h3>\n\n\n\n<p>Consider keeping the account open without using it often. Remember that access to more credit will help you have a lower credit utilization ratio. However, if you genuinely aren\u2019t benefiting from a card and can\u2019t justify keeping it because the yearly fees are too expensive, <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/how-to-close.html\">then<\/a> consider closing the card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-use-the-card-every-few-months\">4. Use the card every few months<\/h3>\n\n\n\n<p>If you want to avoid the possibility of inactivity affecting your credit, then use the card every few months. &nbsp;Set a reminder in your calendar to use the card occasionally and pay it off immediately. You get the benefit of keeping the card for your credit profile and credit utilization ratio without adding significant debt to your ratio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-it-bad-to-close-a-credit-card\">Is it bad to close a credit card?\u00a0<\/h2>\n\n\n\n<p>What if you decide it\u2019s time to shut down your credit card after all? Is it bad to close a credit card? Closing a credit card can be a good thing for many reasons:<\/p>\n\n\n\n<ul>\n<li>If your card has an annual fee, you can save money by eliminating this cost if you close it.<\/li>\n\n\n\n<li>Removing access to credit can help you spend less.<\/li>\n\n\n\n<li>You can avoid paying interest and fees by paying for everything with cash or debit.<\/li>\n<\/ul>\n\n\n\n<p>However, closing a credit card can hurt your credit.&nbsp;When you close a credit card, the following areas may be impacted:<\/p>\n\n\n\n<ul>\n<li><strong>Credit utilization ratio:<\/strong> As we\u2019ve mentioned, by closing a credit card, you decrease your total available credit.<\/li>\n\n\n\n<li><strong>Credit mix:<\/strong> If you close your sole credit card, your credit mix may be less versatile, which can damage your credit.&nbsp;<\/li>\n\n\n\n<li><strong>Credit history:<\/strong> Your credit history is based on your longest-standing account. So, if the closed credit cardis the oldest account, it can shorten your credit history and negatively impact your credit.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>It\u2019s essential to be aware of these potential side effects of canceling a credit card, but that doesn\u2019t mean canceling a card is a bad idea. Even if shutting down a credit card lowers your credit, this decrease will likely be temporary. If you continue with smart financial habits, your credit health can climb back to what it was.&nbsp;<\/p>\n\n\n\n<p>Whether you keep the card open with limited activity or shut it down entirely, you should check your credit reports often. Your credit can impact many areas of your life, so you must monitor and maintain it. If you\u2019re unhappy with your credit and see inaccurate negative items weighing it down, you can <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair-services\">work with a credit repair service<\/a> like Lexington Law. Our team can analyze what\u2019s impacting your credit and help you take the necessary steps to improve your credit profile.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An inactive credit card can be a good thing, but it can also have unintended consequences that lower your credit score. Learn how to protect your credit.<\/p>\n","protected":false},"author":63,"featured_media":15395,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[5140],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will My Credit Drop If I Don\u2019t Use My Cards Regularly? | Lexington Law<\/title>\n<meta name=\"description\" content=\"An inactive credit card can be a good thing, but it can also have unintended consequences that lower your credit score. 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