By Rivan V. Stinson From Kiplinger’s Personal Finance
Question: My credit card company closed my account for “inactivity.” Is there a way to get my card reinstated?
Answer: Credit card issuers can close your account due to what’s known as “inactivity,” meaning you haven’t used the card in a certain amount of time—let’s say a year or more—and the issuer now assumes you have no use for that account.
However, even if an account is closed, all is not lost. You may be able to remedy the situation—especially if it’s a card that you relied on as a backup to your everyday credit card. Plus, keeping a card active may have benefits for your credit: a canceled credit card may ding your credit score because it reduces your total amount of available credit….