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by scaryclam 1681 days ago
Not only this, but getting a credit card and not using it can cause an issue for your credit, so it's better to setup direct debits and other forms of credit than it is to get a card you never use.
1 comments

Citation needed. In the US anyways, a low utilization rate is actually a (minor) good thing for your score.
Considering the article is about the UK, I'm not sure how relevent US utilisation is in relation to it.

That aside, I didn't say low utilisation, I said no utilisation. This has a good chance of your card being cancelled by the card issuer, which has a negative effect on your credit.

Bottom line is, unless you plan to use the card, there are better methods of increasing your credit score, so it's not a good idea to get one.