Credit card inactivity fees even when you have a balance?

Discuss anything related to interest rates & fees, like balance transfer offers, low rate cards, annual fees, etc.
3 posts
Posts: 1
Joined: Fri Mar 18, 2011 12:18 am
Location: Long Beach

Credit card inactivity fees even when you have a balance?

Postby belikemike46 » Fri Mar 18, 2011 12:33 am

My sister has 3 credit cards, each with balances in the range of a few thousand dollars. Last January, as part of a 'credit card fast' she handed her plastic cards to me and vowed not to charge a single cent on her credit cards for the entire 2011 calendar year. Her only activity was to payoff a part of the balance for all 3 cards each month, with the hope of significantly reducing her overall balance at the end of the year.

I was aware that many credit card companies charge inactivity fees, or even close the account entirely if the cards are not in use. Does paying a monthly balance sufficient to keep the cards active? Or do we actually have to charge an amount on each account (there increasing the balance) within a certain time range to keep the cards active? I just want to make sure the cards stay active while she is paying them off, and would not have a negative affect on her credit score.


Green Member
Green Member
Posts: 3
Joined: Fri Mar 18, 2011 3:08 pm
Location: SLO

Postby cherryco » Fri Mar 18, 2011 3:43 pm

I would think carrying a balance and paying interest on it would count for activity, no?

User avatar
Mogul of Pineapples
Centurion Member
Centurion Member
Posts: 1271
Joined: Sun Jun 01, 2008 11:32 pm
Location: Smogland

Postby Mogul of Pineapples » Sun Mar 20, 2011 6:12 pm

That's right having a balance and paying interest should definitely count for account activity.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

Return to “Finance Charges & APR Compare”

Who is online

Users browsing this forum: No registered users and 0 guests