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DO CREDIT CARDS NOT BEING USED AFFECT MY CREDIT SCORE NEGATIVELY?
Asked by
wannaknow
1 year ago
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Having inactive accounts may have a long term effect. Sometimes creditors will close inactive accounts, which can lower your overall revolving credit.
Consider paying monthly bills using an auto-payment on some of these inactive accounts, and of course pay the cards off every month. This will keep the accounts active and continue to build a good payment history, increasing your credit score.
dana340 1 year ago
No it doesn't affect your credit score but it helps by keeping ur 'Utilization Score' lower. But if the bank see that you don't use the card as often or as much; they may lower your credit limit, which will hurt your credit score or close the account, which is worse. It happen to me!! This is my experience. I hope it helps.
geminibug 1 year ago