How does it work - Credicated

If you have multiple credit cards, it's important to keep them active and in good standing to avoid damaging your credit score. However, it can be easy to forget about a credit card that you don't use frequently, and if it remains inactive for too long, the bank may close the account. This can have a negative impact on your credit score, and can also raise red flags with banks when they do a credit check.

That's where Credicated comes in. Our simple, convenient service keeps your credit card accounts active, protecting your credit score and helping you improve it at the same time.

By charging your rarely used credit card less than $1 a month we keep your credit card active which ensures that the bank won’t close the account.

Here's how it works:

1. Pick your payment plan. We offer three options: $.99 per month, $2.99 every 6 months, or $4.99 every year.

2. Sign up for an account. This only takes a minute and will give you access to all of our features. You can also edit or cancel your payment plan at any time using our easy-to-use interface.

3. Checkout using our secure payment system. If you wish to add more than 1 credit card to our service, be sure to do them one order at a time. (pick one plan, pay, pick another plan, pay…)

4. Sit back and let us do the work. Our system will automatically charge your credit card on the schedule you've chosen, keeping your accounts active and preventing them from being closed.

5. Put your credit cards on autopay. We recommend putting any credit cards that you use with Credicated on autopay to make the process even easier. This way, you'll never have to worry about missing a payment and keeping your accounts active.

Not only does Credicated prevent your credit card accounts from being closed due to inactivity, it also helps you improve your credit score. By charging all of your credit cards (the ones that you otherwise wouldn’t be using)  a small amount on a regular basis and paying off the balances on time, you can show that you're using your credit responsibly. This can help you build a stronger credit history and improve your credit score.