Guides
Credit card inactivity guides
What major issuers say about unused cards, whether they warn you first, and a practical schedule for creating posted activity.
Citi
Citi can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
No published deadline
Bank of America
Bank of America can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
No published deadline
Chase
Chase can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
No published deadline
American Express
American Express can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
No published deadline
Discover
Discover can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
No published deadline
Capital One
Capital One says an issuer may lower a card's limit or close the account after a period without use. It does not publish a fixed inactivity deadline.
No published deadline
Barclays
Barclays can review or close an unused credit card, but it does not publish a guaranteed inactivity deadline for every account.
No published deadline
U.S. Bank
U.S. Bank card agreements list inactivity as a reason the bank may restrict or close an account, but the bank does not publish a fixed closure deadline.
No published deadline
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