how long before a card is cancelled for inactivity?

[TiggerDat]

A never used Finger Hut account can go five years before they will close it.....   

[Adidas]

I always call the company after I open a new accountv and ask what their policy is on inactivity. That means my discover and amex info are 2 years / 1 year old respectively but I just called Citi and US Bank today. Here are my notes:

Discover: usually 12 to 18 months, typically mail a 30 day warning before closing
American Express: accounts are automatically reviewed after 13 months, if they decide to close it then you get a notification in the mail it is closed but no advanced warning
US Bank: 3 months of inactivity they close account, no warning
Citi: 2 years will send 1st warning, if no response another letter 26 months, if no response, at 28 months will set to inactive

None of this is real world experience with getting an account actually closed. However it did come from a CSR at the company FWIW.

[Benzman]

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@TiggerDat wrote:

A never used Finger Hut account can go five years before they will close it.....   

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Mine went 10 years before they closed it. Never used as well.

[kugel]

How about capital one ?
PenFed ?
Nfcu ?

[Imperfectfuture]

Store card (les schwab tires) obtained 2007, paid off shortly. 200 limit, still open, last activity reported 2013.

[Anonymous]

One important thing to remember about inactivity is that a number of myfico members have reported large CLD's on a card with as little as 4-6 months of inactivity. This has happened with different lenders and none of us really knows the exact time frame nor the threshold for this to happen.

It's important to be aware that while your card may not be closed outright, you may receive an unexpected and large CLD if you have a period of inactivity. I use each of my cards monthly for a small purchase to keep internal algorithms humming along smoothly as best I can.

[I-got-it-finally]

PayPal 

Openedin Sept 2015

Closed Nov.2016

Never used

Pier One 

opened Dec 2014

Clos Oct 2016

Used twice