[gambiting]

Yeah of course, I do the same thing - when I said I use mine "very rarely" I meant that I use it for things like buying laptops or other expensive things, to use the 0% interest period. I just don't know anyone who actually uses it for day to day purchases from amazon and such, I just use my debit card for that.

[88]

Using a credit card in this way could be negatively impacting your credit rating.

You can be dinged both for having credit and not using it in a given month, as well as exceeding a certain threshold (~10%?) of your credit limit.

[gambiting]

I have two credit cards, one of them I haven't used in 5 years at all, the other I use as described, and according to Credit Karma my credit rating is 690 our of 700. We just remortgaged the house too without any issue.

So yeah, I don't think I care too much about my credit rating at all, it doesn't seem to be affected by this in the sligtest.

[88]

Fair enough if it doesn’t impact your day to day, but it will definitely impact others.

Also worth noting Credit Karma uses TransUnion which is only one of the big three rating agencies, and arguably the least important compared to Equifax and Experian.