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Theoretically: Do I actually have to USE it to get credit history, or is simply having one good enough?[/QUOTE]
NoSoup answered the question, but I thought I would give an example.
Many years ago, I had a Chevron gas card, (I was trying to build credit, and these were the easiest to get). At some point, I mailed in a change of adress,
and by some mistake, they sent a new card to the new adress, and continued sending the previous statement to the old adress. (P,O,box)
I ended up with tow identical cards with different acount numbers.
I thought this was strange so I used the new card once to see if it worked,
I promptly paid it off.
About a year later, I checked my credit history (dont remember why).
Both of the cards showed, and the one I used, was rated "paid as agreed",
the other, which I did not use , was rated, "too new to rate".
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