Will this credit card be closed for inactivity?
Pick the bank that issued the card and the date of the last purchase on it. The checker shows the shortest closure cardholders have reported for that bank, how far into it the card is, and the date to buy something by. It runs in this browser; nothing is sent or stored.
- Reported closures for this bank:
- Months since the last purchase:
- Buy something on it by:
- Safe schedule from here:
ActiveCred puts that purchase on the card for you, on a schedule matched to the bank. Plans run from $0.99 a year for 1 card to $4.99 a year for up to 20, plus a $0.50 activity charge on each linked card each time it runs.
Figures are cardholder reports, not bank policy. Sources and the date checked are in the issuer data file; the reasoning is in how long each issuer waits.
How the checker decides
No US bank publishes how long a card may sit unused. The checker uses the shortest closure that cardholders have reported for each bank, collected by Doctor of Credit and checked by ActiveCred, and recommends a purchase at no more than half that window. For a bank it does not know, it assumes the shortest closure on record anywhere, about 10 months, and recommends a purchase every three months.
What counts as a purchase
Only a purchase that posts to the statement resets the clock. Payments, refunds, logins and declined charges do not count, and the amount does not matter: a $1 purchase counts as fully as a $1,000 one. What counts as credit card activity has the detail.
If the card may already be closed
A card past its bank's reported window may be closed without notice. Five ways to check whether a card is still open take a few minutes, and a card closed for inactivity can often be reopened with a call made soon after; how to ask.