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 charge per linked card, billed to each card individually. Amount and schedule are customizable once subscribed.
Three Steps.
Zero effort after that.
Take control of your cards
Link any card you want to keep active. Card numbers are tokenized by Stripe and never touch our servers.
Automation does the work
A 50-cent charge posts to each card on your schedule. No manual purchases, no calendar reminders, no effort on your part.
Issuers see a live account
A posted transaction on your statement is the signal issuers use to determine whether an account is active. 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.
Stack rewards on top of your subscription
Your ActiveCred subscription is a recurring charge like any other. Put it on a rewards card and earn points on the spend that keeps your other cards alive.
Enable autopay and walk away
Turn on autopay for your linked cards. The 50-cent charge posts, gets paid automatically, and you never think about it again. True zero-effort credit maintenance.
Keep old accounts open for pennies
That 8-year-old card with a $15K limit? It's contributing to your average account age and total available credit. Keeping it open at 50 cents a month is nothing compared to the credit capacity it represents.
Ready to lock in your credit history?
Plans start at $2.99/month. Each card gets a 50-cent + tax charge to show activity.
See Plans