@frankjaeger wrote:
That is correct. Not one single swipe in the last seven months. It's hard for me to say what the last transaction date was. I can't even access my account. Same with the close date. I would have to call to find that out.
Let me know if you have even a vague memory (or reasonable guess) as to the two dates.
Let's suppose that the Dec transaction date was Dec 15 and the date of closure was July 17. (You began this thread on Aug 3 with the subject line" BOA has just closed my credit card" so the actual closure date might have been late July?
What I am trying to assess is whether we can reasonably guess that at least 7 months plus a day passed before they closed it. For example, all of these dates are consistent with that:
TRANSACTION DATE CLOSED
Dec 8 July 10
Dec 17 July 19
Dec 25 July 27
The reason I am so interested is that nobody (as far as I know) has ever reported a "closed due to inactivity" as early as 6 months. If it were just over 7 months, that would be surprising but less strange, since in the dozens and dozens of cases I have investigated 7 months was the earliest and that was still an extreme outlier -- typically it was closer to 15 months, and in most cases > 365 days. (And many people have reported cards have no charges for two years or more without being closed by the issuer.)
On the other hand, you do have some additional circumstances, which is that the card has never produced a statement balance in two years and when it was used it was just a few times a year for small amounts. Usually the $0 statement balance is thought not to matter but perhaps it is taken into account when 6+ months of inactivity have gone by.
