Sue Patterson, WalletHub Analyst
@sweetsue
You should generally use your Chase Freedom card at least once every three months to keep it open and active. That said, Chase does not have a rule or requirement in keeping your card active, but they do advise that you use it frequently.
However, if you want to improve your payment history, you should use the card more often than that – at least once a month.
Not all issuers are the same when it comes to credit card inactivity. Some might never close an inactive card, while others might do it after only a few months. But there aren’t any major credit card companies that state they’ll close your account before it’s been inactive for three months.
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How often should I use my credit card to keep it active?
You should use your credit card at least once every three months to keep it active. However, make sure you use it more often than that if you want your credit score to improve at a faster rate. Not all issuers have the same policies when it comes to credit card inactivity. Some might never close an inactive card, while others might do it after only a few months. However, there aren’t any major credit card companies that state they’ll close...
read full answer by Paddy Sullivan, WalletHub Credit Card AnalystHow many Chase credit cards can you have?
There is currently no official limit to how many Chase credit cards you can have. There used to be a rule according to which you couldn’t obtain a Chase-branded credit card if you had opened five or more credit card accounts from any issuer in the past 24 months. But according to Chase customer service, this rule no longer applies.
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How often should you apply for a credit card?
It’s best to apply for a credit card about once a year, assuming you need or want a card in the first place. While applying, you should consider your financial goals, credit history, and the type of card you’re seeking. And you shouldn’t apply for more than one card at the same time. If you apply more often, the repeated hard inquiries on your credit history will hurt your credit score. Creditors will also see you...
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