[header] How to maintain your credit score in retirement [title] Pay your credit card bills on time. [step] Whether your earnings decrease with retirement or not, you remain responsible for making your payments on time. The credit agencies, which include both the credit card companies and the credit score reporting agencies, are less concerned with your income than with your ability to make your payments. 
Making your payments on time is the key, regardless of your income level. [title] Keep the credit balance low compared to the credit limit.