Credit card inactivity can have significant implications for your credit score. While not using your card won't immediately lower your score, prolonged inactivity may lead to account closures by issuers. This can shorten your credit history and increase your credit utilization ratio, both of which are critical factors in credit scoring. Raj P Narayanam, Executive Chairman of Zaggle, emphasizes that while stopping credit card usage doesn't directly harm your score, it can create indirect risks over time. A credit utilization ratio that becomes too high due to closed accounts can raise red flags for lenders, complicating future loan applications. It's essential to manage your credit card wisely; using it for small, regular purchases and making timely payments can help maintain a solid credit profile. Aiming for a credit score above 750 is advisable, as this reflects responsible credit management and enhances your borrowing potential.