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Nothing much happens if you don’t use your credit card for a month. You’ll just need to keep up to date with your monthly payment if you have an existing balance. However, your credit card issuer isn’t going to close your account for less than three months of inactivity. On top of that, you’ll still receive a monthly statement if you don’t make any purchases, but there won’t be anything new to pay off.
Interest will still accrue on any balance you had from past months, and you’ll still need to make a monthly payment on that balance. So, don’t forget to send that in, if applicable. If you always pay in full, you don’t need to do anything, though.
Why You Should Use Your Card Frequently
The only other thing to consider is that if your card offers rewards, you’ll miss out on a month’s worth if you don’t use it. You’re going to spend some money on necessities anyway, so it’s probably worth it to put your groceries or gas on your card. And it’s good for your credit score to use your card every month, too.
People also ask
What happens if you dont use your credit card?
The short answer is that nothing is likely to happen if you don’t use your credit card for a few months. Not using your card could actually help your credit score if you have a $0 balance when you stop (contrary to some common myths about keeping a small credit card balance being beneficial).
The longer answer is that exactly what happens if you don’t use your credit card depends on which card you...
read full answer by WalletHub, Financial CompanyHow 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 AnalystWhen does Alaska Airlines Credit Card report to credit bureaus?
The Alaska Airlines Credit Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. Bank of America reports the card’s credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.
After the Alaska Airlines Card reports your account information to a credit bureau each month, it may take a few days before the updates appear on your credit report. When you first open a new Alaska Airlines Card, you...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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