Not using your credit card doesn't hurt your score. However, your issuer may eventually close the account due to inactivity, and that could affect your score by lowering your overall available credit. For this reason, it's important to not sign up for accounts you don't really need.5 sept 2019
Does applying for a credit card bring your score down?
It's true that inquiries can have an effect on your credit scores, but in most cases the effect of applying for credit cards is minimal, and any effect they do have is temporary. ... Experian will not know whether you are approved or declined, so being denied credit will not affect your credit scores.2 feb 2017