New Delhi, June 18 -- In the economic world increasingly defined by digital transactions and virtual wallets, the role of credit cards in shaping credit health remains pivotal.

Keeping the same in mind, it is important to acknowledge the fact that the most effective strategy for many credit card holders may not be frequent swipes, but rather the judicious and sensible management of unused plastic.

Echoing the same idea, Mohan K, Founder of TechFini, says "Keeping an unused credit card open can actually help your credit score. It lowers your credit utilisation, maintains your credit history, improves your credit mix, and shows lenders you can access credit without relying on it. Just watch out for inactivity fees and make a small purchas...