Question: What happens to my credit score if I dont use my credit card?

Not using your credit card doesnt hurt your score. However, your issuer may eventually close the account due to inactivity, and that could affect your score by lowering your overall available credit. For this reason, its important to not sign up for accounts you dont really need. Credit Scores and Reports.

Does your credit score increase if you dont use your credit card?

The short answer is that nothing is likely to happen if you dont use your credit card for a few months. Not using your card could actually help your credit score if you have a $0 balance when you stop (contrary to some common myths about keeping a small credit card balance being beneficial).

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