couple looking at papers

Use Cards Occasionally Even if You Don't Need To


Keeping a credit card account open, even if you don’t use it, can help your credit score more than closing the account. But you will need to use the card occasionally to keep the account open. To make it easy, consider setting up a regular expense on a card you want to keep for emergencies but don’t otherwise want to use, such as for a monthly subscription, to pay a recurring expense, or for regular online charges. Then simply pay the balance in full each month. That way you won’t pay interest on the charges, you’ll keep the account open for emergencies, and your credit rating will stay high since you will continue to receive positive entries for on-time payments.

Personal - Banking Products and Services

Ready to explore how Sunflower Bank can assist you? Speak to a personal banker at a branch near you, contact a specialist on our Wealth Management team, or find the right financial partner on our Commercial Banking team for your business needs. 

Back to Resource Articles

This article contains general information only. Sunflower Bank is not, by means of this article, rendering accounting, financial, investment, legal, tax, or other professional advice or services. This article is not a substitute for such professional advice or services, before making any decisions related to these matters, you should consult a qualified professional advisor.