What happens to your credit if you stop using credit cards, apply for loans, etc.? Does your score c

It should not make any difference.

If you have balances on accounts and continue to pay them as agreed, it will continue to go up. If you have balances and do not pay them as agreed, it will go down.

If you have a inactive file for a long period of time however your score will drop.

I have seen people who say they have great credit and when you look at it they have no score at all because they have paid cash for 7-years.

What happens to your credit if you stop using credit cards, apply for loans, etc.? Does your score change?

Your score is affected by whether you pay your bills on time, and how much available credit that you have.

If you have $10,000 in credit available on 2 credit cards, and balances of $1000 each on those cards, your credit will be better than someone whose two cards are maxed out.

What happens to your credit if you stop using credit cards, apply for loans, etc.? Does your score change?

As long as you dont close the accounts it should continue to go up if it were low or remain high if it were already high.