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 ACTIVECRED.IT on your statement.

Automated card activity starting at 50¢ per card.

See Plans
Active
Active
Inactive — at risk

Choose your plan

Every plan runs a small charge on each linked card to show activity. US-issued credit cards only.

Shield
$2.99/mo
1 card
Raven
$4.99/mo
2 – 3 cards
Valkyrie
$11.99/mo
7 – 12 cards
Odin
$15.99/mo
13 – 20 cards

+ $0.50/mo minimum charge per linked card, billed to each card individually. Amount and schedule are customizable once subscribed.

Three steps. Zero effort after that.

Add your cards

Link any card you want to show activity on. 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.

Your cards show activity

Each card gets a posted transaction on your statement. That's what issuers look for when reviewing dormant accounts.

Active
Active
Inactive — at risk

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.

How subscribers use ActiveCred

A few tips from our users on getting the most out of the service.

1

Pay your subscription with a rewards card

Your ActiveCred subscription is a recurring charge. Putting it on a rewards card means you earn points on it like any other purchase.

2

Set up autopay on your linked cards

If your linked cards have autopay enabled, the small charge posts and gets paid automatically. No manual effort needed.

3

Set it and forget it

Once your cards are linked, ActiveCred runs charges on the schedule you choose. You can adjust the amount, frequency, or remove cards anytime from the dashboard.