{"id":4072,"date":"2025-06-06T15:35:51","date_gmt":"2025-06-06T18:35:51","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=4072"},"modified":"2025-06-06T15:35:51","modified_gmt":"2025-06-06T18:35:51","slug":"what-happens-if-i-take-out-a-credit-card-and-dont-use-it","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/","title":{"rendered":"What happens if I take out a credit card and don&#8217;t use it?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#What_Happens_If_I_Take_Out_a_Credit_Card_and_Dont_Use_It\" >What Happens If I Take Out a Credit Card and Don\u2019t Use It?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Does_Having_an_Unused_Credit_Card_Affect_Your_Credit_Score\" >Does Having an Unused Credit Card Affect Your Credit Score?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Positive_Effects_of_an_Unused_Credit_Card_on_Your_Credit\" >Positive Effects of an Unused Credit Card on Your Credit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Potential_Negative_Effects_or_Risks\" >Potential Negative Effects or Risks<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Will_I_Get_Charged_Fees_if_I_Dont_Use_My_Credit_Card\" >Will I Get Charged Fees if I Don\u2019t Use My Credit Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Can_My_Credit_Card_Be_Canceled_if_I_Dont_Use_It\" >Can My Credit Card Be Canceled if I Don\u2019t Use It?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#How_Much_Time_Does_It_Take_for_Account_Closure\" >How Much Time Does It Take for Account Closure?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Possible_Consequences_of_Account_Closure\" >Possible Consequences of Account Closure<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#What_Are_the_Benefits_of_Keeping_a_Credit_Card_Open_but_Unused\" >What Are the Benefits of Keeping a Credit Card Open but Unused?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#How_Does_an_Unused_Credit_Card_Affect_Your_Credit_Utilization_Ratio\" >How Does an Unused Credit Card Affect Your Credit Utilization Ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Is_It_Better_to_Cancel_an_Unused_Credit_Card_or_Keep_It\" >Is It Better to Cancel an Unused Credit Card or Keep It?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Reasons_to_Keep_the_Card_Open\" >Reasons to Keep the Card Open<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Reasons_to_Cancel_the_Card\" >Reasons to Cancel the Card<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Will_Having_an_Unused_Credit_Card_Affect_My_Credit_Approval_for_Other_Loans\" >Will Having an Unused Credit Card Affect My Credit Approval for Other Loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#How_Can_I_Keep_an_Unused_Credit_Card_Active_Without_Spending_Much\" >How Can I Keep an Unused Credit Card Active Without Spending Much?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Does_an_Unused_Credit_Card_Impact_My_Credit_Score_Immediately\" >Does an Unused Credit Card Impact My Credit Score Immediately?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#What_Happens_to_My_Unused_Credit_Card_After_Long-Term_Inactivity\" >What Happens to My Unused Credit Card After Long-Term Inactivity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Summary_Key_Points_to_Remember_About_Unused_Credit_Cards\" >Summary: Key Points to Remember About Unused Credit Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Related_Articles\" >Related Articles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Our_Categories\" >Our Categories:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#What_Happens_If_I_Take_Out_a_Credit_Card_and_Dont_Use_It-2\" >What Happens If I Take Out a Credit Card and Don&#8217;t Use It?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Will_having_a_credit_card_and_not_using_it_affect_my_credit_score\" >Will having a credit card and not using it affect my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Can_my_credit_card_company_close_my_account_if_I_dont_use_it\" >Can my credit card company close my account if I don&#8217;t use it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Are_there_fees_associated_with_keeping_a_credit_card_unused\" >Are there fees associated with keeping a credit card unused?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Does_having_an_unused_card_increase_my_available_credit_limit\" >Does having an unused card increase my available credit limit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Will_not_using_a_credit_card_prevent_me_from_earning_rewards\" >Will not using a credit card prevent me from earning rewards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Is_it_better_to_keep_a_credit_card_active_with_small_purchases\" >Is it better to keep a credit card active with small purchases?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Can_inactivity_on_a_credit_card_negatively_impact_my_credit_score\" >Can inactivity on a credit card negatively impact my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#How_often_should_I_use_my_credit_card_to_keep_it_active\" >How often should I use my credit card to keep it active?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#What_happens_if_my_card_issuer_closes_my_unused_credit_card\" >What happens if my card issuer closes my unused credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Can_keeping_an_unused_credit_card_help_with_credit_history_length\" >Can keeping an unused credit card help with credit history length?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Do_I_have_to_pay_an_annual_fee_on_a_card_I_dont_use\" >Do I have to pay an annual fee on a card I don&#8217;t use?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Will_my_credit_card_issuer_charge_me_if_I_dont_make_any_purchases\" >Will my credit card issuer charge me if I don\u2019t make any purchases?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Should_I_consider_closing_an_unused_credit_card\" >Should I consider closing an unused credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#How_can_I_keep_an_unused_credit_card_from_being_closed\" >How can I keep an unused credit card from being closed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Is_it_safe_to_keep_an_unused_card_for_emergencies\" >Is it safe to keep an unused card for emergencies?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/4072\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>What happens if I take out a credit card and don&#8217;t use it?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Happens_If_I_Take_Out_a_Credit_Card_and_Dont_Use_It\"><\/span>What Happens If I Take Out a Credit Card and Don\u2019t Use It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019ve recently received a credit card but find yourself wondering what happens if you don\u2019t actually use it, you\u2019re not alone. Many Americans open credit cards for various reasons\u2014whether it\u2019s to build credit, gain rewards, or have a backup payment option\u2014but some might hesitate to spend on them right away. Understanding the implications of having an unused credit card can help you make informed decisions about managing your finances and credit health.<\/p>\n<p>In this article, we\u2019ll explore what happens when you take out a credit card and don\u2019t use it, including its impact on your credit score, fees, credit utilization, and overall financial outlook. We\u2019ll also provide insights into how to manage unused cards responsibly, so you can maximize benefits without falling into common pitfalls.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Does_Having_an_Unused_Credit_Card_Affect_Your_Credit_Score\"><\/span>Does Having an Unused Credit Card Affect Your Credit Score?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many people worry that having a credit card they don\u2019t use might hurt their credit score, but the truth is a bit nuanced. Your credit score, calculated through models like FICO or VantageScore, is influenced by various factors, including payment history, amounts owed, length of credit history, types of credit, and new credit inquiries.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Positive_Effects_of_an_Unused_Credit_Card_on_Your_Credit\"><\/span>Positive Effects of an Unused Credit Card on Your Credit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Credit Utilization Ratio Improvement<\/strong>: Credit utilization is the percentage of your available credit you\u2019re currently using. Keeping a credit card open and unused increases your total available credit, which can lower your utilization ratio\u2014a major factor in boosting your credit score.<\/li>\n<li><strong>Longer Average Account Age<\/strong>: If you keep an older card active, even without use, it contributes positively to the length of your credit history, which can help your score.<\/li>\n<li><strong>Diversity of Credit Types<\/strong>: Having different types of credit (credit cards, loans, etc.) shows lenders you can manage various types responsibly.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Potential_Negative_Effects_or_Risks\"><\/span>Potential Negative Effects or Risks<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Credit Report Inactivity<\/strong>: Some credit card issuers may close accounts due to inactivity, which could negatively impact your credit score by reducing your total available credit and shortening your credit history.<\/li>\n<li><strong>Annual Fees<\/strong>: If your unused card charges an annual fee, you\u2019ll incur costs without gaining benefits, which can be a financial disadvantage.<\/li>\n<\/ul>\n<p>Overall, not using your credit card doesn\u2019t automatically damage your credit score, especially if it remains open and in good standing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Will_I_Get_Charged_Fees_if_I_Dont_Use_My_Credit_Card\"><\/span>Will I Get Charged Fees if I Don\u2019t Use My Credit Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One worry people often have is whether an unused credit card will cost them money. The answer varies depending on the type of card and issuer policies.<\/p>\n<ul>\n<li><strong>Annual Fees:<\/strong> Some credit cards come with annual fees regardless of use. If your card has such a fee, you\u2019ll be charged even if you don\u2019t make purchases.<\/li>\n<li><strong>Inactivity Fees:<\/strong> Although less common, some issuers may charge inactivity fees, so it\u2019s important to read the terms carefully.<\/li>\n<li><strong>No-Use Does Not Trigger Interest:<\/strong> Interest charges only apply when you carry a balance. Simply not using the card means you won\u2019t owe interest.<\/li>\n<\/ul>\n<p>To avoid unexpected charges, always review your cardholder agreement and consider contacting your issuer if you plan not to use the card for a long time.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_My_Credit_Card_Be_Canceled_if_I_Dont_Use_It\"><\/span>Can My Credit Card Be Canceled if I Don\u2019t Use It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, credit card companies can close your account due to inactivity. Issuers typically want active users who generate revenue through fees and interest, so long periods without use might lead to cancellation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Much_Time_Does_It_Take_for_Account_Closure\"><\/span>How Much Time Does It Take for Account Closure?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This varies by issuer, but many banks might close dormant accounts after 12 to 24 months of inactivity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Possible_Consequences_of_Account_Closure\"><\/span>Possible Consequences of Account Closure<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Decrease in Available Credit:<\/strong> Closing the card lowers your total available credit, potentially raising your credit utilization ratio and negatively impacting your credit score.<\/li>\n<li><strong>Shorter Credit History:<\/strong> Losing an older account shortens your credit history length, which could reduce your score.<\/li>\n<li><strong>Limited Future Credit Options:<\/strong> If closed for inactivity, it might be harder to get the same card again or face different terms.<\/li>\n<\/ul>\n<p>To prevent involuntary closure, consider making a small purchase on the card occasionally and paying it off promptly.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Benefits_of_Keeping_a_Credit_Card_Open_but_Unused\"><\/span>What Are the Benefits of Keeping a Credit Card Open but Unused?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While it might seem counterintuitive, keeping a credit card open and unused can offer a variety of perks if managed correctly.<\/p>\n<ul>\n<li><strong>Improve Credit Utilization Ratio:<\/strong> As mentioned earlier, keeping your credit limit available but unused helps lower your credit usage ratio, which benefits your credit score.<\/li>\n<li><strong>Build Credit History Length:<\/strong> The longer you keep accounts open, the more positive impact it has on your credit history length.<\/li>\n<li><strong>Emergency Backup:<\/strong> An unused credit card can serve as backup funds during emergencies when you don\u2019t have access to cash.<\/li>\n<li><strong>Access to Perks and Rewards:<\/strong> Some cards offer ongoing benefits such as purchase protection, extended warranties, or no foreign transaction fees even if rarely used.<\/li>\n<\/ul>\n<p>To maximize these benefits, ensure there are no unnecessary fees eating into your wallet.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_an_Unused_Credit_Card_Affect_Your_Credit_Utilization_Ratio\"><\/span>How Does an Unused Credit Card Affect Your Credit Utilization Ratio?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><em>Credit utilization ratio<\/em> is one of the most important factors in your credit score, comprising roughly 30% of it. This ratio compares the amount of credit you\u2019re using to the total credit available to you. For example, if you have $5,000 in credit limits and carry $1,000 in balances, your utilization rate is 20%.<\/p>\n<p>By having an unused credit card with a decent credit limit, you increase your total credit limit, which can reduce your utilization ratio if you keep balances low on other cards. A lower utilization ratio signals lenders that you\u2019re not relying heavily on credit and are managing debt responsibly.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_It_Better_to_Cancel_an_Unused_Credit_Card_or_Keep_It\"><\/span>Is It Better to Cancel an Unused Credit Card or Keep It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The decision to cancel or keep an unused credit card depends on your individual financial goals and the card\u2019s terms.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Reasons_to_Keep_the_Card_Open\"><\/span>Reasons to Keep the Card Open<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>No Annual Fee:<\/strong> If the card doesn\u2019t cost you anything, keeping it open can benefit your credit score by maintaining credit limits and length of credit history.<\/li>\n<li><strong>Good Credit History:<\/strong> Older accounts typically help your overall credit profile.<\/li>\n<li><strong>Potential Perks and Rewards:<\/strong> Some cards offer benefits worth keeping even if usage is infrequent.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Reasons_to_Cancel_the_Card\"><\/span>Reasons to Cancel the Card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>High Annual Fees:<\/strong> If the card\u2019s fees outweigh benefits and you don\u2019t plan to use it.<\/li>\n<li><strong>Temptation to Overspend:<\/strong> If having an extra card might lead to unnecessary spending.<\/li>\n<li><strong>Too Many Open Accounts:<\/strong> Managing many credit cards can be overwhelming and impact credit quality over time.<\/li>\n<\/ul>\n<p>Before canceling, consider the potential temporary dip in your credit score and plan accordingly.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Will_Having_an_Unused_Credit_Card_Affect_My_Credit_Approval_for_Other_Loans\"><\/span>Will Having an Unused Credit Card Affect My Credit Approval for Other Loans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Having an unused credit card usually does not hurt your chances of getting approved for other types of loans. In fact, if the card helps keep your credit utilization low and demonstrates responsible credit management, it can improve your creditworthiness.<\/p>\n<p>However, too many unused cards or recently opened cards (which increase hard inquiries) might raise concerns with lenders who think you\u2019re overextending your credit profile.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_I_Keep_an_Unused_Credit_Card_Active_Without_Spending_Much\"><\/span>How Can I Keep an Unused Credit Card Active Without Spending Much?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you want to keep your credit card account open but don\u2019t want to overspend, there are simple strategies to ensure the card remains active and in good standing:<\/p>\n<ul>\n<li><strong>Make Small Purchases Periodically:<\/strong> Use the card for routine expenses like a subscription service or small grocery buys.<\/li>\n<li><strong>Set Up Recurring Payments:<\/strong> Use the card for automatic bill payments that occur monthly.<\/li>\n<li><strong>Pay Off the Balance in Full Each Month:<\/strong> Avoid interest charges by paying off the balance before the due date.<\/li>\n<li><strong>Monitor Account Activity:<\/strong> Regularly check your account online or via statements to catch any fraudulent or accidental charges.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Does_an_Unused_Credit_Card_Impact_My_Credit_Score_Immediately\"><\/span>Does an Unused Credit Card Impact My Credit Score Immediately?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Generally, an unused credit card does not have an immediate impact on your credit score. The effect comes over time as your overall credit management patterns form. For instance, if inactivity leads to account closure, that could change your credit profile significantly. Otherwise, simply having an open but unused credit card can be neutral or even positive for your score.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Happens_to_My_Unused_Credit_Card_After_Long-Term_Inactivity\"><\/span>What Happens to My Unused Credit Card After Long-Term Inactivity?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you don\u2019t use your credit card for a very long time\u2014often 1 to 2 years\u2014issuers may close it due to inactivity. Additionally:<\/p>\n<ul>\n<li><strong>You Might Lose Rewards:<\/strong> Some rewards programs expire if you don\u2019t make qualifying purchases.<\/li>\n<li><strong>Issuer May Reduce Credit Limit:<\/strong> To reduce risk, some companies lower your credit line if they see no activity.<\/li>\n<li><strong>Your Card Could be Canceled Automatically:<\/strong> Leading to a possible drop in credit score.<\/li>\n<\/ul>\n<p>To prevent this, use your card at least once every few months.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Summary_Key_Points_to_Remember_About_Unused_Credit_Cards\"><\/span>Summary: Key Points to Remember About Unused Credit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Unused credit cards can help your credit score by improving your credit utilization ratio and lengthening your credit history.<\/strong><\/li>\n<li><strong>Annual or inactivity fees can cost you money, so check your card\u2019s terms carefully.<\/strong><\/li>\n<li><strong>Issuers may cancel accounts after long periods of inactivity, which can harm your credit score.<\/strong><\/li>\n<li><strong>Occasional small purchases and prompt payments can keep your account active without risking overspending.<\/strong><\/li>\n<li><strong>Keeping an unused card open is usually beneficial unless it has costly fees or you find it difficult to manage responsibly.<\/strong><\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-212\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp\" alt=\"Thumbnail Smart Finance (6)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-6-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Articles\"><\/span>Related Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"page-generator-pro-related-links page-generator-pro-related-links-columns-1 page-generator-pro-related-links-prev-next page-generator-pro-related-links-vertical\"><li class=\"prev\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2901\/\" title=\"What habit lowers your credit score?\">What habit lowers your credit score?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\/2928\/\" title=\"What happens if I use 100% of my credit card?\">What happens if I use 100% of my credit card?\n                            <\/a>\n                        <\/li><\/ul>\n<p>Our HOME in English: <a href=\"https:\/\/finance.familiaeabiblia.com.br\/\" target=\"_blank\" rel=\"noopener\">Smart Finance: Learn, Invest, and Grow<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-262\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp\" alt=\"Thumbnail Smart Finance (56)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-56-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Our_Categories\"><\/span>Our Categories:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb3 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/\">Credit Cards<\/a>: Comparisons, reviews, and tips to choose the best card for your profile \u2014 cashback, travel rewards, no annual fee, and more.<\/li>\n<li>\ud83c\udfe6 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/digital-banks\/\">Digital Banks<\/a>: Practical guides and evaluations of digital bank accounts, fees, benefits, and services.<\/li>\n<li>\ud83d\udcc8 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/investing\/\">Investments<\/a>: Beginner guides, fixed income and variable income options, real estate investment trusts (REITs), and more.<\/li>\n<li>\ud83e\uddee <a href=\"https:\/\/finance.familiaeabiblia.com.br\/financial-education\/\">Financial Education<\/a>: Learn to manage your budget, build an emergency fund, and get out of debt.<\/li>\n<li>\ud83d\ude97 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/loans-financing\/\">Loans and Financing<\/a>: Explanations about mortgage, auto, and student loans, with smart money-saving tips.<\/li>\n<li>\ud83d\udee1\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/insurance\/\">Insurance<\/a>: Information about the most important types of insurance to protect your family and assets.<\/li>\n<li>\ud83d\udcca <a href=\"https:\/\/finance.familiaeabiblia.com.br\/taxes-income\/\">Taxes and Income<\/a>: Guidance on tax filing, investment taxation, and fiscal responsibilities.<\/li>\n<li>\ud83c\udfd6\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/retirement-planning\/\">Retirement Planning<\/a>: Tips to plan your retirement with private retirement plans, Social Security benefits, and passive income strategies.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-209\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp\" alt=\"Thumbnail Smart Finance (3)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-3-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<div>\n<h2><span class=\"ez-toc-section\" id=\"What_Happens_If_I_Take_Out_a_Credit_Card_and_Dont_Use_It-2\"><\/span>What Happens If I Take Out a Credit Card and Don&#8217;t Use It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Getting a credit card can be exciting, but what if you decide not to use it? Many Americans wonder about the effects of simply having a credit card without making purchases. Understanding how an unused credit card impacts your credit score, fees, and financial health is important before deciding to keep it dormant. This article will answer common questions and help you make informed decisions on whether to keep or close a credit card that&#8217;s sitting unused.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Will_having_a_credit_card_and_not_using_it_affect_my_credit_score\"><\/span>Will having a credit card and not using it affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes,<\/strong> an unused credit card can positively impact your credit score by increasing your available credit and lowering your credit utilization ratio.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_my_credit_card_company_close_my_account_if_I_dont_use_it\"><\/span>Can my credit card company close my account if I don&#8217;t use it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes,<\/strong> issuers may close inactive accounts after a period of no activity, usually 6 to 12 months, to reduce their risk.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_fees_associated_with_keeping_a_credit_card_unused\"><\/span>Are there fees associated with keeping a credit card unused?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Some cards<\/strong> have annual fees regardless of use, so you could be paying fees without benefit if you don&#8217;t use the card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_having_an_unused_card_increase_my_available_credit_limit\"><\/span>Does having an unused card increase my available credit limit?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes,<\/strong> an unused card adds to your total credit limit, which can improve your credit utilization ratio.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_not_using_a_credit_card_prevent_me_from_earning_rewards\"><\/span>Will not using a credit card prevent me from earning rewards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes,<\/strong> you need to make purchases to earn reward points or cashback; unused cards do not accumulate rewards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_it_better_to_keep_a_credit_card_active_with_small_purchases\"><\/span>Is it better to keep a credit card active with small purchases?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Generally, yes.<\/strong> Using your card occasionally helps keep it active and shows positive payment history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_inactivity_on_a_credit_card_negatively_impact_my_credit_score\"><\/span>Can inactivity on a credit card negatively impact my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Inactivity alone<\/strong> doesn\u2019t hurt your score, but closed accounts due to inactivity can reduce your available credit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_often_should_I_use_my_credit_card_to_keep_it_active\"><\/span>How often should I use my credit card to keep it active?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Using it once every few months<\/strong> is usually enough to keep your account open and active.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_my_card_issuer_closes_my_unused_credit_card\"><\/span>What happens if my card issuer closes my unused credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Your credit limit decreases,<\/strong> which may raise your credit utilization and potentially lower your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_keeping_an_unused_credit_card_help_with_credit_history_length\"><\/span>Can keeping an unused credit card help with credit history length?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes,<\/strong> an old unused account contributes to your average account age, benefiting your credit score.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_I_have_to_pay_an_annual_fee_on_a_card_I_dont_use\"><\/span>Do I have to pay an annual fee on a card I don&#8217;t use?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes,<\/strong> annual fees apply even if you don\u2019t use the card, so consider this before keeping it unused.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_my_credit_card_issuer_charge_me_if_I_dont_make_any_purchases\"><\/span>Will my credit card issuer charge me if I don\u2019t make any purchases?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Typically, no,<\/strong> unless the card has an annual or inactivity fee.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_consider_closing_an_unused_credit_card\"><\/span>Should I consider closing an unused credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>It depends.<\/strong> Closing can reduce available credit, but avoiding fees or unused accounts might be beneficial.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_keep_an_unused_credit_card_from_being_closed\"><\/span>How can I keep an unused credit card from being closed?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Make small purchases<\/strong> periodically and pay them off promptly to maintain activity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_it_safe_to_keep_an_unused_card_for_emergencies\"><\/span>Is it safe to keep an unused card for emergencies?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Yes,<\/strong> having an unused credit card for emergencies can provide financial flexibility.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In summary, having a credit card and not using it can be both beneficial and risky. While it can help increase your total available credit and strengthen your credit utilization ratio, inactivity might lead your issuer to close the account or trigger annual fees. To maximize the advantages, it\u2019s wise to use your card occasionally with small purchases and ensure timely payments. This keeps your account active, enhances your credit history, and may help you avoid fees or account closures. Always review the terms of your card and stay aware of any fees or policies related to inactivity. If you plan to keep the card for emergencies or future use, maintaining some activity is a smart financial strategy. By understanding how an unused credit card affects your credit and finances, you can make informed choices that support your credit health and financial goals.<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Also_discover\"><\/span>Also discover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong><a href=\"https:\/\/finance.familiaeabiblia.com.br\/glossary\/\" target=\"_blank\" rel=\"noopener\">Glossary Finance<\/a><\/strong><\/li>\n<li><strong><a class=\"row-title\" href=\"https:\/\/finance.familiaeabiblia.com.br\/faq-finance\" target=\"_blank\" rel=\"noopener\" aria-label=\"\u201cFAQ \u2013 Frequently Asked Questions\u201d (Edit)\">FAQ \u2013 Frequently Asked Questions<\/a><\/strong><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/\">Credit Cards &#8211; GLOSSARY<\/a><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\">Credit Cards &#8211; FAQ<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What happens if I take out a credit card and don&#8217;t use it? What Happens If I Take Out a Credit Card and Don\u2019t Use It? If you\u2019ve recently received a credit card but find yourself wondering what happens if you don\u2019t actually use it, you\u2019re not alone. Many Americans open credit cards for various &hellip;<\/p>\n","protected":false},"author":3,"featured_media":245,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-4072","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faq-credit-cards"],"_links":{"self":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4072","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/comments?post=4072"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4072\/revisions"}],"predecessor-version":[{"id":5693,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4072\/revisions\/5693"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/245"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=4072"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=4072"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=4072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}