Frequently asked questions

A completed small charge creates posted purchase activity on that account, which addresses inactivity. No transaction or schedule guarantees that an issuer will keep a card open, and issuers do not publish a universal minimum amount or safe deadline.

The service charge appears on the card where activity is scheduled. Statement-balance autopay can help avoid interest, but you must confirm the charge posts, autopay succeeds, and the statement shows no remaining amount due.

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.

A posted charge can appear in the reported balance until it is paid. Its effect may be small compared with the card's limit, but it is not automatically zero. Keeping an available credit line may lower total utilization when other cards report balances.

There is no universal safe interval, and most issuers do not publish a guaranteed inactivity deadline. KeepCardAlive offers schedule suggestions with margin, but you should review issuer notices, receipts, and card statements.

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.

It posts with the configured KeepCardAlive statement descriptor. You also receive an email receipt for each attempted charge so you can compare it with the card statement.

You are paying for a scheduling service that creates recurring purchase activity on the selected card. We charge the card you choose, send a receipt, and let you stop from the dashboard. We are not affiliated with any bank and cannot guarantee an issuer decision.

Issuers look at activity on that specific account. A charge on your checking account or a different credit card does not reset the inactivity clock on the card in your drawer. The activity has to post on the account you are protecting.

We never see your full card number. Stripe tokenizes and stores payment details (PCI Level 1). We only keep a reference token, last four digits, and the settings you choose. See our Privacy Policy for details.

Go to your dashboard and add a card. Pick the issuer for a schedule suggestion, configure payment settings on that card, and confirm the first charge and payment rather than assuming setup succeeded.