Chase is at it again... closing my last card!

[PCR20]

Today I received a nice letter from Chase telling me they are going to close my last Chase Card when it expires in two months because I haven't used it in two years.

I use to have 3 Chase Cards, but they closed two of them while I was on vacation a few years back for no reason other than that they were originally Washington Mutual cards.

After they did that I was not comfortable carrying their card because who knows when they would go ahead and close the last one.

It's no fun having your card rejected at a Hotel / Restaurant while on vacation....

I'm not surprised about this, other than why they waited so long.

What did surprise me is that the letter clearly states that although the reason for closing it was non-use, they will not keep it open even if I start to use it again!

Go figure!

[Imperfectfuture]

Se la vie.

[longtimelurker]

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@Imperfectfuture wrote:
Se la vie.

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Or even 

C'est la vie

if we are going to talk "Foreign"

OP: are you in CA ?   There they have to give you notice of pending closure.

[core]

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@longtimelurker wrote:
OP: are you in CA ?   There they have to give you notice of pending closure.

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Sounds like that's what they just did.  2 months.

[FinStar]

It appears they are simply exiting the relationship which could be due to a variety of factors (e.g. profitability, overall relationship - past or present, etc.).  Besides this CC, do you currently have a deposit or other banking relationship with Chase?

[longtimelurker]

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@core wrote:

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@longtimelurker wrote:
OP: are you in CA ?   There they have to give you notice of pending closure.

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Sounds like that's what they just did.  2 months.

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Right, that's why I asked.  

Quite often in these situations, you either get the card closed, or a message that unless you use it within the next X, they will close it.

This looks like the decision to close is firm, so just wondering why the notice.  A CA location is one possible explanaiton.

[noobody]

You have not use the card for 2 years, and sounds unhappy because they close your account?

what excactly do u want? 

[Anonymous]

No use in 2 years.... To me that would not really be missed. Only affect is UTL %

[takeshi74]

Chase isn't "at" anything.  You need to be aware of your creditors' policies regarding closure due to inactivity and maintain minimum activity if you don't want the accounts closed due to inactivity (i.e. be proactive versus reactive).

[Anonymous]

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@takeshi74 wrote:

Chase isn't "at" anything.  You need to be aware of your creditors' policies regarding closure due to inactivity and maintain minimum activity if you don't want the accounts closed due to inactivity (i.e. be proactive versus reactive).

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Does each company have a policy that the consumer can see somewhere?