How It Works

If you have a credit card, it's important that you use it every single month. After just a few months of inactivity, the credit card issuer may close your account which can negatively affect your credit score and hurt your ability to open a new credit card, get a mortgage, or even lease a car.

Additionally, if you have multiple credit cards, and only use one of them on a regular basis, you are losing out on great credit building opportunities. Each month, the banks report your credit usage to the credit agencies, as well as if you paid in full and on time. Every month that you use your credit card and pay the bill by the due date, you build trust with the credit agencies by showing them that you borrow and pay back money responsibly. By not using all your credit cards on a monthly basis, you are losing out on valuable credit building opportunities.

For these reasons, many financial experts advise buying a few small items every month (like at the dollar store), and using a different credit card to pay for each item. That way, all your credit cards have activity every month.

While effective for some, many individuals find this monthly task overly time-consuming and bothersome, while others find it challenging to consistently remember.

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.

It’s simple: We charge a microtransaction (as little as 99 cents) on your credit card every single month. You can choose between different amounts and frequencies, and we do the rest. No more need to worry about inactive credit cards. You can literally set it and forget it and have peace of mind.

Here's how it works:

1. Choose Your Plan

We offer three options: $0.99 a month, $2.99 every 6 months, or $4.99 every year.

2. Insert the Last Four Digits

Enter the last four digits and/or the name of the credit card you will be using for the subscription plan in the text box on the plan page. This will make it easier to identify, track, or modify multiple different subscriptions.

3. Checkout

Checkout using our secure PayPal payment system. To add multiple credit cards to the same plan, do them one at a time in separate orders (checkout, pay, and then start again with the next card).

4. 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.

5. Credit & Forget It!

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. You can skip, cancel, or modify any of your Credicated plans at any time.

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.

All payments are securely processed by PayPal. Credicated does not store any credit card details. Plans can be modified, paused, or canceled at any time.

Thank you for choosing Credicated. We're here to help you succeed.