Reply to Citibank closed my emergency CC without warning due to inactivity

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[quote=Anonymous]I got a letter today saying that "Because of the length of time your account has been inactive, we've closed it."

This was "My life has gone straight to hell" emergency card and had a $25,000 limit. Fortunately, I have other resources I would tap into first, but kept this as my absolute last resort.

It was the only card I had besides an Amazon rewards card (with a small limit) that I use for our everyday household expenses and the debit card for my checking account.

What really sucks is that they wouldn't just re-open the account—I would have to start completely over! They'd pull credit reports that would lower my credit score, and I'm sure I wouldn't get my high limit back. I started to re-apply but got so PO'd I told them to cancel it.

I told them I thought it was ridiculous they can't send a warning so I could use the card to keep it active instead of just closing it. I asked if there was a law and they said no, that's just what they do after 25 months of inactivity (it's actually been longer than that).

Obviously I didn't read the fine print. Just venting and hoping to warn others.  Anyone else have this happen?
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