I know that not using the credit cards will not increase my credit score but I want to to know if just freezing the card will decrease the credit score. I have 4 of them and paying heavy interest in one of the cards. So, I want to freeze that one so that I wont have to pay monthly interest while I can save some money in the mean time so that I can pay a good chunk of money when the freezing is relieved. Anyone with experience or any idea? Anything is appreciated. Thanks.