Unused cards get closed.
Your credit score pays the price.
Credit card issuers close inactive accounts. When they do, you lose years of credit history and
your utilization ratio jumps. Both hurt your score.
Cards go dormant
Life gets busy. That old card
with no rewards sits unused
for months.
Issuers close accounts
After 6–12 months of no
activity, banks often close
the account without warning.
Credit score drops
You lose credit history length
and available credit. Your
score takes the hit.
How It Works
Three steps to peace of mind
No complicated setup. No ongoing maintenance. Just set it and forget it.
01
Add your cards
Securely connect the credit cards you want to keep active. Takes under a minute.
02
We handle the rest
Our system places a tiny charge on each card periodically. Just enough to show activity.
03
Cards stay open
Your accounts remain active. Your credit history stays intact. You don't think about it again.
Why It Matters
Your credit history is an asset.
Protect It.
Credit history length
15%
of FICO Score
15% of your credit score comes from the average age of your accounts. Older cards matter.
Score stability
50+
point swings
Keeping cards active protects against sudden drops that can affect loan applications.
Credit utilization
30%
of FICO Score
Closing a card reduces your total available credit, spiking your utilization ratio.
Financial flexibility
∞
peace of mind
More open accounts mean more options when you need them. Don't close doors.
Why It Matters
Your trust is
our foundation
We understand we're handling sensitive financial information. That's why security isn't a feature—it's the core of everything we build.
Canadian Owned & Operated
Canadian owned and operated, TinyCharge is built and run out of Alberta.
Stripe Partnership
Payments are managed securely by Stripe and we never see your full card information, providing you with peace of mind.
