<prompt> Human: I cant seem to find any answers on this that are firm, but I am wondering this. I am working on paying down credit cards, but someone told me if you dont make a charge at least once a year, some will close on you. Will they alert you beforehand??  <response>: Yes, theyll close it after a while. Most tend to be closer to 2 years, but theyll still close it, usually without warning you. Some will send a letter telling you about the inactivity, but most wont. I try to make at least one purchase a year on each card I have. Especially on the older cards, since age of open accounts matters for your credit score. 