Don't let your credit history go to waste
Banks can close credit lines that show no activity.
ActiveCred runs a small recurring charge on your unused cards so they show an ACTIVECRED.IT on your statement.
Automated card activity starting at 50¢ per card.
See PlansChoose your plan
Every plan runs a small charge on each linked card to show activity. US-issued credit cards only.
+ $0.50/mo minimum activity charge (plus applicable tax) per linked card, billed to each card individually. Amount and schedule are customizable once subscribed.
Three steps. Then autopilot.
1. Pick a plan
Choose the tier that fits how many cards you want to keep active. Upgrade or downgrade anytime.
2. Link your cards
Add any US-issued credit card you want to keep active. Card numbers are tokenized by Stripe and never touch our servers.
3. Set your schedule
Choose when and how much to charge each card — as little as $0.50 + tax. A posted transaction is the signal issuers use to keep your account open. That signal now runs on autopilot.
When your credit score matters most
Credit doesn't matter until it does. And when it does, a single closed account can cost you thousands.
Renting an apartment
Most landlords pull credit before approving a lease. A closed card can lower your score enough to turn an approval into a denial, or cost you a larger security deposit.
Buying a home
Mortgage rates are tied directly to your FICO score. On a 30-year loan, even a small rate difference can mean tens of thousands of dollars. Every point counts when you're signing that paperwork.
The double hit
Closing one card can spike your utilization ratio (30% of your score) and drop your average account age (15% of your score) at the same time. Two FICO factors damaged by a single closure.
How to get the most out of ActiveCred
Old credit accounts are free stat padding for your FICO score. Here's how to put them to work.
Pay your subscription with a rewards card
Your ActiveCred subscription is a recurring charge like any other. Pay it with a card that earns cashback or points — you're spending money to protect your credit anyway, so you might as well get rewarded for it.
Turn on autopay on your linked cards
Enable autopay on each credit card account you link to ActiveCred. When we post a small charge, your card issuer pays it automatically — keeping your account current with zero effort on your part.
Keep old accounts open for pennies
That 8-year-old card with a $15K limit? It's boosting your average account age and total available credit. Keeping it active at $0.50 + tax per month is nothing compared to the credit history it represents.
Ready to lock in your credit history?
Plans start at $2.99/month. Each linked card gets a $0.50 + tax activity charge on your schedule.
See Plans