Credit card cancellation

We have kind of a unique situation these days that people aren’t using their credit cards as they are in a “hunkered down mode of saving”. You know I like to see people “saving” however not using a credit card can lead to a canceled card and that’s not good for a couple of reasons, let me explain. If you don’t use your card, credit card companies don’t make money, and after a while, they don’t like that. After all their hoping you’ll purchase something, not pay off the balance, and they get interest. But they also miss out on merchant processing fees when you don’t use a card.
Credit card companies can cancel your card for inactivity and they might not give you notice when they cancel. If your card is canceled this can hurt your credit score and you don’t want that.
The longer you have a card the better. This accounts for 15% of your total credit score.
Also, your credit utilization ratio could increase. This is the second most important factor in calculating your credit score and measures the amount you owe in relation to your available credit. OK, imagine that you have three credit cards, each with a spending limit of $5,000, giving you $15,000 in total available credit. If you owe $2,500 on two of the cards, that means you are using $5,000 of the available $15,000, or 33%. Let's assume that you owe nothing on the third credit card, which gets canceled because you're not using it. That leaves you with only $10,000 in available credit and so your total credit utilization jumps to 50%. The objective is to keep your utilization as low as possible, and a canceled card works against that.
The fact of the matter is, you have to use a credit card on occasion to keep it alive. How often you should pull it out is a matter of opinion. To be on the safe side, try to charge at least one item per month and pay it off. Even if it's just a gallon of milk, the activity will show up as an on-time payment and the credit card company will view the card as active.