Citi Closed My Credit Card Due To Inactivity!

Filed Under: Citi, Credit Cards

For the first time ever, I’ve had a credit card account closed on me against my will. I feel so rejected…

My Citi Rewards+ Card was closed

This morning I woke up to an email from Citi with the following subject line:

We’ve closed your account

Well that’s not good! I went to Citi messaging center, and was informed that my Citi Rewards+ Card had been closed due to lack of activity:

Hi, Benjamin. We frequently review cardmember accounts – a recent review of your account shows that it has been inactive and there is a current balance of $0. Due to this, we had to close your Citi Rewards+ Mastercard account. You can no longer make transactions on this account.

Any ThankYou Points you’ve earned through the date your account was closed will be transferred to your ThankYou member account. Points available for redemption can be redeemed for 60 days after the date the account was closed.

Well that’s sad, because this card added real value for me!

Why do I want this card if I didn’t use it?

Logically you’d say “well that’s not much of a loss, you weren’t using the card!” But the truth is that the Citi Rewards+ Card is part of my overall Citi credit card strategy:

  • I also have the Citi Prestige Card and Citi Double Cash, which I spend a significant amount on
  • The Citi Rewards+ Card has no annual fee, and when you have the card you can get 10% of the points back on the first 100,000 ThankYou points you redeem every year
  • In other words, having this no annual fee card earns me the equivalent of 10,000 ThankYou points per year, which is awesome

So while there wasn’t much incentive for me to spend money on the card given the other Citi cards I have, it was still a valuable part of my overall Citi strategy.

Are accounts frequently closed due to inactivity?

Over the years I’ve often received the question of whether credit cards can be closed due to lack of activity. From the perspective of credit card issuers, it makes sense — there’s exposure associated with having open credit lines, and it’s reasonable for credit card companies to reduce them, especially during these uncertain times.

However, I have over two dozen credit cards, many of which I almost never use. And up until this point I’ve never had a card closed on me due to lack of activity. This was a first for me.

I guess the moral of the story is to charge a couple of purchases to a card every so often if you want to make sure this doesn’t happen. Then again, my credit card strategy is already complicated enough, especially with all the temporary bonuses we’re seeing on cards right now due to coronavirus, so I can’t say I really have any regrets.

Is there any recourse when your account is closed?

Here’s a question to anyone who may have been in this situation with Citi before, since this is my first time dealing with this — is there any recourse? Can I call up Citi and say “please reopen the account, I promise to use it more?” Is there no hope, or is there another strategy? For what it’s worth, I spend a significant amount of money on my other Citi cards. At a minimum, is there a way to have the credit line transferred to another one of my Citi cards?

Ultimately it’s not the end of the world to have the account closed, but if I can avoid it I’d like to.

Bottom line

While I knew accounts could be closed by credit card companies due to lack of activity, it had never happened to me before — today was a first. My Citi Rewards+ Card was closed because I hadn’t used it in many months, though it’s still a card I benefited from significantly, given what a good complement it was to my other Citi cards

Has anyone else recently had a credit card account closed due to lack of activity?

  1. I have the Citi Rewards+ which I opened when I closed my Prestige, to hold onto some points. I have to force myself to remember to buy a coffee on it every month or so. Never trust Citi!

  2. citi and chase and boa have closed my cards due to inactivity, with only boa giving notice. you’ll just need to set some calendar reminders to use once a year.

  3. Hi Lucky,

    Unfortunately the did the same thing to my Citi DoubleCash Card. I tried to appeal it to no avail. This was about a year ago so perhaps things have changed since then, but it was very disappointing.

  4. Bank employee here. For most banks if you do not use a card for two years it will be closed for lack of activity to reduce exposure. Generally speaking you cannot reopen the same account and would need to reapply for the card that was closed assuming that card is still offered.

  5. i had this happen to me last january for the same card (i think 24 months of inactivity…oops)!

    i just called and they re-opened the account, with a hard pull, and that restored all the credit history, etc. it was justified for me because this was one of my longest open lines of credit.

    maybe not worth it for you, but for anyone else, know that it’s just a call away to restore it!

  6. @Ben, why ask the question? Is there a downside/risk to calling and asking? Just wondering if there’s a reason you’re asking the readership before acting.

  7. $1 Amazon loads across all unused cards, every month. Set cards to autopay from your checking account.

    This builds Payment History across many Revolving Accounts and has low Credit Utilization reported every month. Money never goes to waste since it slowly accrues in your Amazon account.

  8. The only time something like this almost happened to me, I received a communication from the credit card issuer that the card would be closed due to inactivity unless I used it for a purchase within the next 30 days. I’m surprised they didn’t give you some kind of similar warning.

  9. It is a loss, but at the end of the day, this card got you $150 to $170 in value (depending on how much you value Thank You points) by giving you 10,000 extra Thank You Points. For you, that is pretty insignificant based on how many points / how much spending you appear to have. For Citi, it’s a clear loss given you don’t spend on this particular card and don’t need the credit on this card. Let Citi reallocate the credit to someone who will actually use it.

    This has happened to me before on old cards I forgot to spend on that I kept just to enhance my available credit and age of accounts. My lesson is to make sure you spend on the cards you want to keep long term, prune cards that you don’t want to keep long term, and keep things as simple as possible

  10. Do you think it’s because it’s a no annual fee card? If it had an annual fee I doubt they would have closed it.

  11. The real question will be if this re-starts the clock on your 24-month waiting period to apply for any new ThankYou family cards.

  12. Citi did the same thing to me, closed out a Double Cash card that I had used to downgrade from an AA card. As others mentioned, make sure you put small spend on any card that you hold just for the benefits. For Rewards+, I keep it in my Apple Pay and whenever I’m at a vending machine or other very small purchase under a couple of bucks, I use it to get 10 points. As others have mentioned, you can automate this with Amazon by just setting a $1 monthly charge (and you’ll get 10x on that purchase)… once you get the card back of course!

  13. Yeah, my history with citi ended when I contested a rental charge. I rented a car from a place a fine minute walk from where I lived, and declined the CDW, because citi covered it. Then I got billed twice the agreed amount because the company claimed that I elected their CDW and returned the car to a site ten miles away.
    Citi sided with Avis over a fraudulent $300 charge. That was the first and last time I disputed a charge with them (well, alright, the very first two charges to the card was a restaurant that inadvertently double billed me, but that was quickly fixed). That was over ten years ago. Even then, I considered the three hundred bucks chump change. I’d done business with them for over fifteen years, and never had a problem, and if they want to side with people who are obviously defrauding me, well, why do I need them? I gladly paid the sum to end the relationship; in terms of their transaction fees, they lost more than that from me in the months that followed. On my side, I haven’t had to contest a charge since then.

    I’m sure many people have similar stories about every credit card company, and every rental agency. Heck, I’ve used my Amex to rent from Hertz multiple times in recent years and haven’t had a problem, but I won’t deny that others have had huge issues, which are documented here. So this is just my story, the reason why I don’t do business with them. I can’t say how common an experience this is, so maybe my case was unusual, and I don’t judge others by the cards they keep. But I was triggered by the line “Never trust Citi”. Learned that lesson.

  14. I like how there is a yes and a no….just call yourself, you can’t depend on these comments.

  15. Have you redeemed any ThankYou points in the past year or so? When you redeem TYP, even if you do not use your Rewards+ card they generate a statement for that month to credit you the 10% back in TYP. I am curious if that is enough to count as activity on the card, or if it has to be an actual monetary transaction.

  16. They did it to me also. And so did Capital One. It would have been nice if I had received a reminder that I had an inactive card and I should use it or lose it. I didn’t even have the opportunity to move my credit to another card. Capital One ticks me off every time I have to deal with them, or try to deal with them I should say. But the flexiblity of their points is a big plus. Great for car rentals and VRBO’s.

  17. While mine wasnt closed my limit on my rewards+ was lowered by $2000 because of no activity. I have been afraid to touch any of my cards because the state of the world at this time but maybe I should be putting a little on them from time to time for this reason.Thanks for sharing.

  18. I need way more info.

    1. When did you last use the card?
    2. When did you last earn the 10% rebate?
    3. Why are you averse to calling them?

    Something fishy here

  19. Closing one of Ben’s sock-drawered cards is akin to spitefully tossing a neutrino into the Pacific. You really showed him, Citi!

  20. This happened to me in January for a Citi card after 24 months of inactivity. I gave them a call, but they declined to reopen my account.

  21. One of my Citi AA card was closed last month due to inactivity. It was one of my oldest credit cards with a huge credit limit and longest account history. Curious / concerned to see how it affects my credit score, but since my score is 820+ something I guess it is not going to be end of the world.

  22. Barkley’s cancelled my card for the same non-use reason. Since Barleys’ does not report to credit buraus anyway, I took my 50,000 acquisition premium and said good bye

  23. @cap – I know you can setup an auto-reload on amazon. Is there a way to have multiple setup so you can have one for each card without any manual work?

  24. I’ve had one closed for inactivity unexpectedly. I’ve gotten warning letters on a few others letting me know that if I didn’t use the account, they would close it. I now rotate cards in my wallet from tine yo time and make small purchases to prevent closure.

  25. For cards I do not use often I make a $5 payment every other month. This creates activity and a credit balance.

  26. Citi recently turned away my business completely, and I have a hard time understanding how they are making these decisions. In July, I fat-fingered a payment amount on my AA Executive account, and it bounced — a good faith mistake. Citi responded by closing all 5 of my open cards (2x AA and 3x proprietary; $45k total credit lines; oldest account opened around 2007). Appeals by phone and mail yielded no results. No way to use ThankYou points, no prorating of annual fees (which had recently hit).

    I’ve never had another issuer close an account unilaterally. I’ll miss the Executive card, but it’s hard to see why I would ever return to Citi.

  27. While I did lose a Capital One card for lack of use, I really did not care. Had no strategy and other cards “pay” better.

    What surprised me is when I was influenced by this newsletter to apply for the IHG card from Chase. I was rejected (with an 830 credit score) because I had not used my Sapphire card enough over the past year. I appealed and they stood firm.

    I understand the economics from their end, but I hated losing the IHG bonus!


  28. Citi closed two of my accounts. No payment or credit problems and refused to refund my annual fee for my CitiPrestige card and stole my ThankYou Points. After calling multiple times and getting no real answers as to why, I filed suit against them.

    Before court day, they settled. The points were approximately 135,000. They settled for three thousand dollars and wanted me to sign an non-disclosure agreement, which I refused. They paid court/legal fees and for their goofy lawyer.

    In closing, Citi sends me credit card offers at least a few times a year. Yea, sure. Never again!

  29. It’s funny that the blogger says that he feels rejected when he shares his wallet with another 28 other cards, possibly also 25 without use.
    Maybe he thinks the IT infrastructure and the Fronf and Back Office workforce are made of chocolate in the land of dreams.
    If someone doesn’t generate profit in a Business it’s a sxxx customer.

  30. The key thing here, and very straightforward, is no annual fee. If there is no annual fee, there will be no activity if the balance is zero and the card is not being used. That’s a non-performing credit card and most issuers will close such accounts.

  31. Duh… No spendy, no cardy.

    But seriously, call them and if they don’t give it back, then threaten to close the Prestige. 😀

  32. Happens a lot but normally I’ve got a letter telling me its going to happen in 30-60 days if there’s no activity, which case if you want to keep it find a way to spend something on it. My guess is given the number of cards you have, and the combined credit limits, you’d be a target for inactivity closing to minimize exposure risk.

  33. Just when I was planning to use it again, I found out that Discover canceled my card after 20+ years of having it.

    Apparently they sent a letter but it went to my old address and I never received it.

    It was mildly annoying but I had rarely used it in over a decade.

    And this doesn’t only happen to credit cards. My father is in his 80s and his pension and social security covers his expenses so he doesn’t do much with his investments and one of them was almost given over to the state for inactivity. He had to call up and make sure it wasn’t deemed “abandoned”.

  34. Ben – the same thing happened to me with a citi card – they closed my citi double cash a few years ago due to “inactivity.” I called and they were very apologetic but said there was no way to reopen it and it was an automatic action. For reference, I was using the double cash card once a year at that point (I downgraded to it from an AA annual fee card, which was my longest credit line for 10+ years). I have another double cash now and have switched to using it every 6 months and seems ok so far. Maybe it would be better to do it more often given the other stories here. Please keep us posted if you get any official response from Citi on how they handle this issue. Thanks!

  35. I had my CITI dividend card also no annual fee closed after not using the card for several years. This just reminded me to put some spend on my CITI AA mile up. I use my Citi rewards + for my iCloud backup each month. Double cash I use a lot so no issue there.

  36. Citi shut down my Premier card a couple years back when I went 12 months without using it.

    Aside from that, Chase has sent me letters a couple times telling me that they were gonna shut down one of my Freedom cards, but I’ve always just called them and told them I want to keep it. FNBO sends me a letter threatening to shut down my TravElite card whenever it’s been 6 months since I’ve used it.

  37. @DenB

    As an introvert, I’d like to say that I often would avoid talking on the phone if I could help it. So yes, for some people, it’s much preferable to ask in written text than to make a call.

  38. Happened to me. It’s like losing 10% of your TYP balance.

    They will reopen the account, call soon.

    I thought activity is needed every 24 months but don’t quite remember, you can ask when you reopen it.

  39. Yeah I had a Cap1 account closed last year. Now for the cards I don’t use much I keep a little spreadsheet and pay all my standing monthly bills with those just to keep a transaction. One for water, one for utilities, one for my newspaper, one for the gym etc!!

  40. I think banks must be cleaning up unused credit. I had my credit line at my bank halved. The letter said it was due to lack of use for 18 months. I never use a credit line and never asked for it, so it has actually been unused for many years. It was noted on my credit report that my credit had been reduced, but the reality is it is a rounding error.

  41. The same thing happened to me I was shocked hadn’t used it for 6 months ! I was upset because that does affect your credit score especially if creditor closes account.
    The ironic part is I have another card with them ! No problem there with that one !
    I think it is unfair to make you use a credit card if at the time you might not need too.
    Not impressed

  42. What surprised me is that they did it without warning.

    I’ve always had warning on cards I rarely used, but I guess I can’t count on it always.

    Better get some auto-spending setup!

  43. They did this to me recently as well. It was a Citi Double Cash that I had recently converted from an AAdvantage Platinum Select. When this happened, I objected that I had changed the account with the intent of using it more. But, they said I’d have to escalate my request, which I did. When a specialist reached out to me, they said they’d only reopen my card if I authorized them to conduct a hard pull on my credit, which I declined. I’m (hopefully) going to be in the market for a home in the near future and don’t want new inquiries on my account. So, oh well. I lost my second oldest account and Citi has lost my business.

  44. Two plastic boxes. Once or twice a year
    I take cards from one box, use them a little then place them in the ‘used card’ box. All because a few years ago Cap One canceled my Quicksilver for inactivity. I am still mourning!

  45. The same thing happened to me…twice. The recourse is just to request, I believe in writing, that the account be reopened and it will be done. My Citi card account that was closed due to inactivity was that of my first every CC, which I got in 1986 with a $500 CL. Over the years the CL climbed to as high as $11K. Never having been much of a Citi guy, i had no use for the card , which earned TY points. I requested that the account be reopened simply because closing it would drop the age of credit history precipitously.

    After Citi closed the same account again a few years later, I just decided to do nothing and let the age my credit history take a hit. There was a slight decrease in my credit score, but then it rebounded quickly. With that, I was done with Citi. Good riddance.

  46. My sister recently had her Barclays JetBlue card (she had downgraded to the no AF version last year) closed for inactivity, and they would not reopen it.

    Several years ago, I had a United card (also a downgrade to a no AF card) that they warned me they would close, so I was able to call Chase and get them to keep the card open. Shortly after, I closed it myself since I realized I did not really want or need it.

    After reading your post, I did a small load to my Amazon account with my Rewards + card, since it is a former Prestige card I downgraded to keep my TYP.

  47. @Ben

    When you have two high value cards in addition to the one that was cancelled I am confused as to why you did not call them and confront them on this issue.

    Unilateral arbitrary decisions should always be challenged – especially by those whose entire portfolio would suggest that the organization should consider more than just one card at a time.

    In your case – just because it would not cause you great pain is not necessarily a good excuse to let it go. Jump on your steed – raise the lance – and let them know who is boss 😉 (the customer, of course)

  48. For every card I’m not using I set up a monthly $5 donation to a charity and autopay the bill from my checking account.

  49. Happened to me with a Citi card. I called and they reopened it. Credit bureaus seem to count it as having been open since the original date.

  50. Same thing happened to me 2 months ago.
    @ James S.
    “I have the Citi Rewards+ which I opened when I closed my Prestige, to hold onto some points.”

    Me too – my Citi Rewards+ was closed unexpectedly – with an email like you got – Ben.

    I wanted to keep the card open – since I on occasion would book tickets with some point applied to try to make the AA miles – distance based.

    But I haven’t flown yet in 13 month – so I hadn’t used the Citi Rewards+ (will be flying for the first time next week.

    I did call Citi immediately and expressed my displeasure – and request that I wanted the account reopened. I told them I spend over $50K a year on my Citicards and if not reopened I would be cancelling those cards. And I wanted my points restored.

    But the person said you have to reapply (and no promises that they would reopen). I was transferred to another person – which when through the questions like opening a new account and a new credit check was done. They told me this would they would make a decision in 7 days and let me know. And that if approved they would send me a new card.

    About 7 days later – I noticed that my account showed again on Citi website – so I called and they did reopen the account and my points were reinstated. They kept the CC number the same – and while I did get a new (duplicate card), I was told the old card would work too.

    I guess – they evaluate you as a customer. If you use other Citi cards a lot, then I think you will. If you just use it for the AA club members – then who knows maybe not. Hard to say, but my experience as a good customer – I got it reopened. I have also had my original AA citi card for 35 years – so many that made a difference too.

  51. I make a point of putting at least one purchase on every card every month. That way I don’t have to worry about this.

    Subscriptions are an easy way to do this- Netflix on one, Hulu on another, etc.

  52. I had that happen a few years ago with… I think… a Chase card. The key is that it was, like yours @lucky, a no annual fee card. Guarantee they won’t do it with an annual fee card. The letter I got said that they would close it in 60 days and spending on the card wouldn’t change their mind. It was one of my oldest cards, of course that had been valuable to me at some point. My oldest card is actually a credit union card that i haven’t used in a decade or more and it’s no fee. They keep renewing it and the credit limit is probably something stupid like $5000. But, really I should spend on it occasionally, as it is a good 4-5 years older than my next older card.

  53. Ben, I had the same thing happen. Citi used to have a 30 day window during which they would reopen the card just for the asking. I didn’t see the notice so missed the window but they reinstated the card based on an abbreviated application taken over the phone so it won’t be difficult to get the card back and it will have the same account number.

    Since then I make a token charge on cards I don’t use on a regular basis about every six months and haven’t had a problem since.

    Hope this helps.

  54. I had USAA reduce my credit line by 97% because of non-use. Even though I hadn’t charged anything in quite awhile, the zero transfer fee and 12% interest rate encouragedme to keep a high balance for 10 years as I got out of debt. But they wanted transaction fees more than my interest payments (which were more than the transaction fees would ever be). After I paid it off the credit limit was slashed. After having the card for over 35 years and denial of any appeals, I canceled the card from this ungrateful company.

  55. Citi is notorious for doing this. This happened to me a few years back when they closed my old ATT Universal Card which was one of my oldest card and was great for my credit history. Since then, i’ve gotten into the habit of putting a couple of purchases every year or so on all the Citi cards just to avoid this.

  56. Citi closed a no-fee card of mine almost 4 years ago. There was no activity for a year, and the card was shutdown without warning. I called, and they wouldn’t reopen. It was not a big loss, except it had 17 years of history.
    It’s a bummer that it was a card that earns passive points and has a high return on small spend. But with Citi’s product change rules, it should be easy to replace in a year or two.

  57. This happened to me a couple years ago. I had a diamond preferred card for about 10 years, and got the letter cancelling it. I had not used it in a few years, but still had rewards on it. It had no annual fee. At the time it was my lengthiest account for credit history. Following the closure I had a major drop in my credit score that I had to climb out of. Mine was closed for inactivity. Called and tried to rectify it to no avail. Suppose if it’s “free” they don’t owe us anything. But if you have a good credit score, and have always paid on time when using it, I figured they would let me keep it open for the off chance I use it one day. Would have been nice to have a warning or something first.

  58. It happened to me too, but with American Express. If i had received a warning, i could’ve used it…. I also received messages from Best Buy and carecredit. Had to use them before it gets cancelled 🙁

  59. Honestly this kind of thing is super easy to avoid…just set up a small recurring transaction on cards you use rarely. I’ve got a Citi Rewards+ card too, and it’s set to pay my NYT subscription at $1 a month…they’re never shutting that thing down for inactivity
    Plus it rounds up so I’m getting 10 thank you points per dollar spent (well, on the NYT subscription anyway) so that’s nice too

  60. Happened to me a couple years ago with my Chase Freedom card. It was my first credit card but fell out of use because of the 3% FX fee, and I have a few other cards that provide better rewards/earnings rates. I’d gotten a notice before closure but decided to let it go.

  61. You probably did not use the card for over six months or a year. Often times this is what happens, but I never had a problem with cards that I use at least once or twice a year.

  62. Citi must have done a huge customer dump yesterday. I received the email and immediately called and was told sorry you need to apply again. I have multiple Citi Cards for business and personal and granted I didn’t use this one, but I have been a customer since 1979 and you would think there would have been an option to “use it or lose it”!


  63. The person you spoke to should have offered to reactivate the card. Call again and make the request. If they give you a hard time, ask to escalate the call.

    Try to pay a subscription for something using that card. For other unused cards, buy a tank of gas, swipe it for a snack, or otherwise make a small purchase. Once it appears on your bill as a balance, pay it.

  64. Citi closed a TY Preferred card last month for no activity for 18 months. I could have applied for re-opening, but then reflected that my strategy for TYPs really ran dry 4-5 years ago.

    I took Apple gift cards at 1 cent/TYP (Note: Citi did “steal” my TYPs) which in today’s world is ok for closing out my TYP experience. Not the highest value but not many TYPs and any of this wampum I can turn into cash is welcome.

  65. Hmm, I have a Citi AAdvantage card which I use regularly. And a free Citi (née AT&T) Universal credit card which I haven’t used at all in over a dozen years. The Universal cards still active, they send me Privacy statement every year.

  66. I was surprised when BofA did the same thing to me on a Royal Caribbean Cruise credit card. Years ago, it was a decent card and the signup bonus made it worthwhile but it’s not competitive now with a 1% credit back that only really useful on a cruise. I wasn’t too sorry to see it go.

  67. I think it’s kinda hilarious that the blogger pushing credit cards doesn’t know the inactivity rules. LOL.

    As for those of you with many cards and small transactions every month to keep open, it can negatively impact your FICO scores because it’ll show you have 15-25-whatever cards active, although I’m not sure what the score weighting is per bureau. I know Trans Union seems to be more sensitive to these. I’m typically around 5-7 and a FICO score over 800, but when I was around 10-15 (of my 25 cards), score dropped about 20 points. Took about 3-4 months after not using those cards at all ($0 balance, paid in full, but if you pay on due-date and keep spending/using the card, it doesn’t get reported as $0) before the Score slowly crept up.

  68. @ mjonis — It’s not that I didn’t know about it (I’ve written a post addressing exactly this possibility in the past), it’s just that it hadn’t happened to me. Not the same thing.

  69. I had a card since 1985. We moved and I had just found it while unpacking a box. Missed the cut off by a few days! Called, spoke to several people, opened an escalation ticket to get it reversed. Received a letter two weeks later stating my request was denied. I will no longer do business with them. Their ability to make money off me has now been declined and I have taken my business elsewhere.

  70. This happened to me last year. I reported them to the Customer Finance Bureau and contacted Citi customer service to re-open the account. They had to do a hard pull but the account was reinstated and all of my historical transactions were still there. They should let you re-open the account.

  71. This almost happened to me on couple occasions. The card providers usually me an inactivity notice 1 or 2 months in advance. I just make a small purchase in order to keep the account and card open.

  72. Capital One closed my card last May due to inactivity. This of course lowered my available credit by $5000. Credit cards do an annual review of your account. In November when Discover did my annual review, they closed my account for inactivity. Now my available credit was lowered by $14,000. When Citi and Chase saw that the vendors closed two of my cards and my credit availability was lowered, they lowered my credit limit with them. As a result of all of this, my credit score went from 746 to 619!! I wrote to both of my Senators and Congressperson after all this happened as I think the closing of accounts without a 30 day heads up was wrong. I have had these cards for over 20 years! If I had a 30 day notice I would have charged a tank of gas or groceries or something. Also, I think it’s wrong that a card being closed for inactivity has a negative effect on your credit score. Now my credit is so low that I can’t buy a used car to replace my 18 year old vehicle! Of course, none of my political representatives ever responded to my request for assistance.

  73. I make a purchase once a quarter on every card that doesn’t get regular usage. A tank of gas, lunch out, or one that I have a small purchase automatically charged to every other month. Another reason you want to keep that card open is for your credit score. Part of your score checks for credit utilization, i.e. how much you have charged versus how high your total credit limit is. Keeping that card open keeps that utilization percent lower.

  74. Just had Loblaws (Canadian grocery chain) downgrade my black MC because I wasnt spending enough. This is supposed to be a loyalty card? That move sure will ensure I stay loyal to them.

  75. “However, I have over two dozen credit cards, many of which I almost never use. And up until this point I’ve never had a card closed on me due to lack of activity. This was a first for me.” For many people this is a common occurrence. Barclays did it to me in an Arrival card and Bank of America did it to me on one of their no-AF cards (one of the lenders sent me a letter warning me it would happen if I didn’t use the card but I didn’t read it until after the fact). They started to do this stuff during the pandemic. I have never had it happen with an AF card which makes sense. The two cards I mentioned were the only cards I had with those lenders are the time and neither card had seen any charges for well over a year. I am surprised that citi closed your card since you are putting charges through on other citi cards. I have a number of amex/chase cards I don’t use much, but may want to use in the future due to rotating categories etc. It would suck if a card I was planning on using in the future got cancelled because I didn’t use it, so its a good idea to throw at least a minimal charge on a card once every six months to keep the card activity.

  76. Yes, I have experienced the same.My Care Credit was immediately closed after I made my last payment within a week. I was so pissed! Usually card companies between 1-3 months of inactivity. My score dropped due to my account being closed. Good Luck!!!

  77. Life gets busy and things come up, but if it’s a card that you even slightly value, a token purchase on it every 3-6 months will suffice in most cases to keep it open. It doesn’t have to be a significant purchase or one with a large rewards opportunity cost.

  78. I too have to giggle that of all people to get stung by a closure it was you. I guess Citi is suddenly cracking down on everyone, even Lucky.

    Yup, it happened to me. I had a Thankyou card I wasn’t using, so in Summer of 2019 I used it at the drive-through a few times to keep it active. No problem. Well, fast forward to Summer of 2020 and one day I log into my Citi account and the card is marked as closed. 😮

    Immediately, before I logged off, I opened up a chat window and told Citi I wanted that card. She fixed it no problem. From my experience I will give a word to the wise: if a credit card gets closed, contact the bank ASAP.

    One twist: since I had not used the card since it expired, she treated it as a “card not received” situation so I had to get a new card number, but kept the same account.

  79. Citi dropped my limit last summer even though I was paying well over my minimum required. The thing that ticks me off about this is as in my case and the writer’s, this lowers your overall credit issued which increases your utilization percentage and hurts your credit score.

  80. Citibank Australia just closed my account without warning. Last week I received an email confirming my recent change of contact details (I hadn’t changed anything), and now 1 week later I get an email confirming the closure of my account (nothing I requested). When I called them they said the account was automatically closed due to inactivity. I have had my credit card with them since 1994! No activity for 18 months as I primarily use this card when travelling and obviously no international travel lately. Angry doesn’t begin to describe it!

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