<prompt> Human: Ive always kept a credit card with small credit limit as backup in case of emergencies, e.g., road trip breakdown, roof leaks, etc. Recently received a notice from the bank they will be closing the account due to inactivity. Completely within their rights, they are in the business of making money after all. For those of you who keep an emergency card, use it once in a while so your credit score wont be impacted by the closure.  <response>: My wife and daughter are really on top of this. They like to make sure it works on a daily basis. 