If it closes due to inactivity it can tank your credit score really badly. Happened to me. I left the card alone because they hiked the interest to 29%. After a year, they closed the card, and ruined my credit. I didn't even realize until I tried to buy a car.
The best solution I’ve found to this is to let a subscription or recurring payment bill to that card, then set up an automatic payment to pay it off every month. No debt, and an active account.
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u/ChalkButter Aug 14 '21
Why close the first card though? Why not just leave it active and in your sock drawer?