{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.indusind.com\/iblogs\/credit-card\/maintaining-an-active-credit-card-essential-practices-to-avoid-account-closure\/#BlogPosting","mainEntityOfPage":"https:\/\/www.indusind.com\/iblogs\/credit-card\/maintaining-an-active-credit-card-essential-practices-to-avoid-account-closure\/","headline":"Maintaining An Active Credit Card: Essential Practices to Avoid Account Closure","name":"Maintaining An Active Credit Card: Essential Practices to Avoid Account Closure","description":"From using your credit card regularly for small purchases to automating payments, there are several ways to maintain an active credit card and prevent account closure. Maintaining an active credit card involves more than just carrying it in your wallet. Regular transactions and responsible management are key to maximising its benefits. If you neglect your...","datePublished":"2023-11-16","dateModified":"2024-08-28","author":{"@type":"Person","@id":"https:\/\/www.indusind.com\/iblogs\/author\/indusind\/#Person","name":"IndusInd Bank","url":"https:\/\/www.indusind.com\/iblogs\/author\/indusind\/","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8169561f34fb61e737060f1a537a86e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8169561f34fb61e737060f1a537a86e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"IndusInd","logo":{"@type":"ImageObject","@id":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/logo-2.png","url":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/logo-2.png","width":201,"height":86}},"image":{"@type":"ImageObject","@id":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/AdobeStock_376091973-1.jpg","url":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/AdobeStock_376091973-1.jpg","height":400,"width":1060},"url":"https:\/\/www.indusind.com\/iblogs\/credit-card\/maintaining-an-active-credit-card-essential-practices-to-avoid-account-closure\/","about":["Credit Card"],"wordCount":956,"keywords":["apply for a credit card","Credit Cards","instant credit cards"],"articleBody":"From using your credit card regularly for small purchases to automating payments, there are several ways to maintain an active credit card and prevent account closure.Maintaining an active credit card involves more than just carrying it in your wallet. Regular transactions and responsible management are key to maximising its benefits. If you neglect your credit card for an extended period, it may prompt the issuer to close your account. This closure may adversely affect your credit utilisation ratio and ultimately lower your credit score. Additionally, losing a credit card could disrupt your financial routine, causing unexpected inconvenience. Here are a few essential practices to prevent account closure and ensure a seamless financial experience. Keep reading to know more.Tips to Keep Your Credit Card Account Active1. Contact Your Credit Card ProviderSpeak with your credit card provider to enquire about their policies for closing inactive accounts. Different issuers have different timeframes. Some might wait for six months, while others could extend it to a year. Staying abreast of their account inactivity policy can give you valuable information about how often you should use your credit card. 2. Use Your Credit Card RegularlyUse your credit card regularly to demonstrate to your provider that you are an active and reliable user. Use it for regular purchases such as groceries, for paying your electricity or internet bills, or for subscribing to OTT services. Additionally, make sure to settle any outstanding balance promptly. This practice helps maintain an active account and builds a solid payment history, which is essential for improving your credit score.3. Pay Bills on Time and in FullAlways pay your credit card bills in full and on time to maintain a solid credit history and avoid account closure. When you consistently meet your payment obligations, you exhibit responsible financial behaviour to your credit card issuer. This builds trust, and they are more likely to keep your account active. On the other hand, consistently failing to make payments indicates financial instability and increases the likelihood of your account being terminated.4. Set Up Automated Payments on Your CardApart from the convenience of not having to make manual credit card payments, automating payments makes sure that you never miss a payment. This could help raise your credit score and avoid late payment fees and interest charges. Having to pay these extra fees often results in users viewing the credit card negatively and even closing their accounts.Maintain an Active Credit Card with IndusInd BankUnlock a world of convenience and savings with IndusInd Bank\u2019s selection of instant credit cards tailored to match your lifestyle. With an IndusInd Bank credit card in your wallet, you can accrue reward points with every purchase and earn bonus points when you hit spending milestones. You can redeem or convert those points to pay off your credit card dues. The best part is that you can select from a range of credit cards that do not come with joining and annual fees.Here are some of the salient benefits you can enjoy with instant credit cards from IndusInd Bank:Complimentary access to airport lounges at both domestic and international airportsIncredible cash-back deals and offers on shopping, movie tickets, flight bookings, groceries, and dining out.Waived fuel surcharges at all petrol pumps in IndiaSo, wait no more and achieve financial flexibility with an IndusInd Bank instant credit card. Apply for a credit card now to get instant access to credit!Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct\/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.Share This:"}