How to Keep Your Credit Cards Active - Without Useless Subscriptions

Your credit card isn’t just sitting in your wallet — it’s silently aging. And not using it? That can hurt you more than you think.

When a credit card goes inactive for too long, the bank might quietly close it. That can shrink your available credit, mess with your utilization ratio, and even drag down your credit score — all because you weren’t using it enough. Cool.

Most people handle this by setting up a tiny charge — like a $5 cloud backup plan or a streaming trial they’ll probably forget to cancel. Some buy a coffee once a month. Others just set reminders and hope for the best.

It’s fine. But also, kinda annoying.

If you’re juggling multiple cards or just want to stop thinking about this stuff, services like TinyCharge exist to automate it. You pick a small monthly amount per card, and it quietly keeps them alive in the background — no subscriptions, no stress, no mental clutter.

You stay in control, your cards stay active, and your credit stays clean. It’s the minimalist way to maintain your financial health — no “pro tips” required.