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volkharris

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I was granted a credit card would it hurt my score not to activitate it?

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Top Contributor
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It wouldn't hurt

But it certainly won't help. 

You will have a hard inquiry for the application, that will drop your score a few points.  As far as the card goes, it will start reporting weather you use it or not. but if there is no activity it's not going to help your score any either.

Now that you have it, I say it put it to good use for you.  Use that card once a year just to keep it open. Pay it off right away and don't pay interest on it. That alone will help your credit scores.

Opening accounts and not using them makes lenders leary of opening new accounts in the future.  It cost them money to open accounts in employee time and fees to pull your credit report and print and mail that card.

Good luck

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