Can a credit card company close the credit card for non use during the year that the annual fee was paid for?
They can close it, but non-use is unlikely to trigger closing. The AF contributes a lot toward the bank overhead of managing the card account, including computer server costs, card printing and customer mailings.
It also covers some of the loan loss risk associated with credit cards. When the card is not being used, there is no current loan loss risk.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765