Should I use all 3 credit cards once in a while (small purchases just to keep them active) or is it better to keep them with zero balance? I only use one (the one with the lowest rate. Can they cancel your credit card if you don't use it for a period of time? When applying for credit or a car loan, etc. do lenders want to see your credit cards with zero balance or do they want to see that you use your credit and make payments on time? All information possible will be greatly appreciated. Thanks!