Updated 2026-06-22

Can an authorized user card be closed for inactivity?

Primary and authorized-user accounts share closure risk when nothing posts. What AU holders and primaries should know.

The primary account is what matters

Inactivity closures happen at the account level. If nobody — primary or AU — generates a post for long enough, the whole account can close, affecting everyone on it.

AU cards you do not control

If you are an AU on someone else's card, you cannot always force activity. Ask the primary to keep the account alive or accept that the tradeline may disappear from your report if the account closes.

Primaries with AUs

If you added AUs for history benefits, you still need periodic posts on that account yourself. A small automated charge on the primary's card solves it.

Automate it on every card

KeepCardAlive runs a $0.99 charge on each card you link, on a schedule matched to the issuer. Pause or cancel anytime. Email receipt every charge.

Keep my cards alive

Not financial advice. Issuer policies change and are not guaranteed. KeepCardAlive is not affiliated with any bank.