If you’re carrying credit cards around that you never use, don’t be surprised if you try using it after awhile and it doesn’t work! Many card companies are closing inactive credit card accounts. How long a card has to be inactive before it’s closed depends on the particular issuer of your card, but if you want to keep your credit cards from being cancelled, you may want to use them every few months to keep them “active”. (Hint: any purchase will cause your card to be active, so if you’re avoiding credit card debt, buy a pack of gum or candy).
Read your credit card policy and see if there is a clause about inactivity. It may or may not be there - closing inactive accounts falls under the “we can cancel your card for any reason” clause; or “we reserve the right to decide who we do business with and who we don’t” clause.?
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