How Often Do I Need to Use My Card to Keep It Open?

When you have an authorized user on your card, we ask that you keep the tradeline active by spending at least $2.00 on the card during each billing cycle in which the authorized user remains on the account. Accounts that are not used frequently may be closed by the issuer for inactivity or may not report current information to the credit bureaus.

We recommend automating your required monthly spending by using the card to pay for a small recurring bill, such as a streaming service subscription. We also recommend setting up automatic bill payments for the account to prevent accidental missed payments.

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