There is no specific rule as to how often you will need to use your credit card in order to build credit. Some issuers will lose your account if it has not been used for a certain amount of months, and others could be less than this. The exact amount of time will depend on the credit card issuer in question, but this will usually happen between 12 and 24 months of inactivity. It can also be helpful to be aware of the fact that some retailer-branded credit cards may allow for a longer period of activity than bank-branded cards, as retailers will recognise the fact that people may only shop every now and then.