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Reply to "Citibank closed my emergency CC without warning due to inactivity—WTF?!"
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[quote=Anonymous][quote=Anonymous]Banks can't leave open, unused lines of credit out there. Open lines of credit means that they can't lend that money to someone else due to capital adequacy requirements. It isn't about back office expenses or them making a minute amount of interest and fees from the account. While 25,000 may not be huge for Citi, multiply that by 10,000. You are talking real money there. I would be very surprised if this were not a specific term of the credit agreement. [/quote] OP here, thanks for this info—that makes sense. I'm sure it's in the agreement. They told me on the phone it was 25 months of inactivity and they actually let it go longer than that.[/quote]
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