Money Matters
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s/o joint cc's

I have had my cc since college always with a paid off balance.  Dh has had his credit card also since college.  He use to carry a balance but we did a consolidation loan between a few of his loans 6 years ago which we paid off and since have not carried a balance on that card either.  About 4 years ago I became an authorized user on his card and now only use my own personal cc if I am buying a store specific christmas present for dh and I don't want him to know about (ie the hunting store).

Does not using my card hurt my credit at all?

TRC since = Feb/09 Dx: Unexplained Infertility Lap Surgery: July/10, small amount of endo removed Injectables and IUI #1=bfn Injectables and IUI #2=bfp!!!!!! Baby Boy born May 7, 2011 at 37weeks pregnant. Baby Birthday Ticker Ticker

Re: s/o joint cc's

  • I'm not sure if not using it will hurt your credit, but it may cause the card issuer to close the account (and I don't think they have to warn you), which could hurt your credit quite a bit, since it sounds like it's your oldest card. If you're not going to use it, I would recommend making a small purchase every so often so they know you haven't forgotten about the card.

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    "You know you're in love when you don't want to fall asleep because reality is finally better than your dreams." - Dr. Seuss

    TTC #1 August 2014. BFP 9/26! EDD 6/9/15
    Baby A born 6/17/2015
  • SisugalSisugal member
    Eighth Anniversary 10000 Comments 100 Love Its Combo Breaker

    Be sure to use your own cc on occasion so that you maintain a good status with the company and they do not close it.

    You want to have good credit in your own name and not have everything joint for your own financial protection.

  • I didn't know they coukd do that, thanks for the info!
    TRC since = Feb/09 Dx: Unexplained Infertility Lap Surgery: July/10, small amount of endo removed Injectables and IUI #1=bfn Injectables and IUI #2=bfp!!!!!! Baby Boy born May 7, 2011 at 37weeks pregnant. Baby Birthday Ticker Ticker
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