Yes. Issuers track the date of the last posted transaction on each account. A single small charge resets that clock. Cardholders have kept cards open for years with charges as small as 50 cents. The amount doesn't matter, the activity does.

Only the charge itself, which appears on the card we're keeping active. As long as you have autopay turned on for that card's statement balance, your bank pays it off automatically and you never carry a balance or pay interest.

Card details are tokenized and stored by Stripe, a PCI Level 1 certified payment processor. They never touch our servers. We only store a reference token that lets us run the charge you authorized.

No. A sub-dollar charge that's paid off via autopay has no meaningful effect on your utilization ratio. Keeping the card open actually helps utilization by preserving your total available credit.

It depends on your issuer. Strict banks like Citi and Bank of America can close cards in as little as 6 months, so we recommend charging every 1-3 months. More lenient issuers like Capital One can go longer. We suggest a cadence per card based on its issuer.

No, and anyone who promises that isn't being honest. Issuer policies vary, are never officially published, and can change. Some banks have closed cards for low (not just zero) usage. What we do is remove the most common cause of closure: a long gap with no activity.

The stored token usually keeps working through a reissue, but not always. We monitor for failed charges and upcoming expirations and alert you so you can relink the card before activity lapses.

Yes. One click in your dashboard pauses or cancels any card immediately. No phone calls, no retention hoops.