Don't let your credit close
Banks close cards you don't use, and one closure can wipe out years of credit history overnight. ActiveCred keeps your credit lines open with a 50¢ ACTIVECRED.IT on your statement.
Protect thousands in credit limit for pennies.
See PlansChoose your plan
Every plan includes a $0.50 monthly micro-charge per linked card to keep your accounts open.
+ $0.50/mo micro-charge per linked card, billed to each card individually
Three steps. Zero effort after that.
Add your cards
Link any card you want to keep alive. Tokenized by Stripe. We never see your card number.
$0.50 hits each card, monthly
A single small charge. Enough for your issuer to register activity. Nothing more.
Accounts stay open. Credit grows.
Your age of credit keeps climbing. Your total limit stays intact. Your utilization stays low.
The math behind a single card closure
Your FICO score is a formula. Inactive card closures break it in three places at once.
Credit age: 15% of your score
Close a 10-year-old card and your average account age drops overnight. It takes years to rebuild what you lose in a day.
Utilization: 30% of your score
Lose a $10K limit and your utilization ratio jumps even if you don't spend a dollar more. This is the largest single factor after payment history.
The fix: $0.50/mo
One micro-charge per card, per month. Your issuer registers activity. Your account stays open. Both problems disappear.
Play the credit game correctly
Most people don't optimize their credit. Here's how ActiveCred users do.
Pay your subscription with your top rewards card
Your ActiveCred fee is a recurring charge. Put it on your highest-earning card. You're protecting your credit and earning points for it.
Your linked cards pay themselves
Most cards already have autopay on. The $0.50 charge shows up, autopay pays it, done. You never think about it.
Let time do the work
Every month a dormant card stays open, your credit age climbs, your available limit holds, and your utilization stays low. Compounding works for credit, too.