A credit card can be a great financial tool to help you manage cash flow, earn rewards, and build credit.  However, what happens when you decide to curb your credit card spending?

Not using your credit card has some obvious benefits, the main one being that you won’t have a balance on your card. You may also reduce spending on one card so you can spend more on another card that has better rewards or a lower APR. Whatever your reason for not using your card, it’s important to understand what inactivity does to your account.