What to do to keep from accounts closing?

[ccsauer]

Hey all. I'm 25 and since college I've had 3 CC's I've been trying to pay down. I finally paid one off and have been working at the other 2. I got a 4th with a great 0% offer, transferred the 2 balances down a bunch, so I was paying 3 cards off with lower utilization to help out my credit. I found out today that that 4th card i paid off closed a while back...like, a year back. My credit score is fine now, but I'd prefer that none of my remaining 3 cards get closed. What, specifically, keeps a card from being closed? I'm sure a general answer is "use it," I just wasn't sure if there were any other guidelines

Any info would help

Thank you.

[fused]

Every CCC is different but to be safe, you should use your cards at least once every 3-4 months.

[My_dog_FICO]

CCs can close for many reasons. You got the primary one right - lack of attention. Use 1/2 of your cards every month, keep your balance under 10%, and rotate them. That's the "FICO Rising" game.

Second - being over limit (usually more than once)
Third - late payments. They don't like chasing down their money.
Fourth - hopefully soon to be extinct - UD Universal Default. If they see you've maxed out other cards or even hit over 85% utility, they can consider you a high risk and close you.

They should have sent you a statement giving you 15 or more days notice as they were the ones to close the account. (sometimes they forget to).

On the bright side - if they don't want you - you don't want them.

[MidnightVoice]

My gas card goes inactive after 12 months of zero use. And it might need a hard pull to reactivate it