Updated 2026-06-22
Autopay + inactivity charges: the setup that actually works
Pair a small periodic charge with statement-balance autopay so activity posts without interest or missed payments.
Why autopay matters here
An inactivity charge exists to post transaction activity. It is not meant to become revolving debt. Autopay pays the statement in full so you never carry a balance or pay interest on a $0.99 charge.
Statement balance vs minimum due
Set autopay to statement balance, not minimum due. Minimum due leaves a tiny balance that can accrue interest if you are not watching.
Verify the right funding account
Use a checking account you monitor. You should still skim statements — you are looking for your scheduled activity charge plus anything unexpected.
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 aliveNot financial advice. Issuer policies change and are not guaranteed. KeepCardAlive is not affiliated with any bank.