<prompt> Human: Hi everyone, I have many credit cards that I opened when I first came to the US because I was under the impression that the more I have the quicker Ill build my credit score.Now that my credit score is where I want it to be, I find it tedious to keep track of so many. Therefore I only use two or three of my favorites and ignore the rest. Recently I got a notification from Chase that theyll be closing one of my credit accounts due to inactivity. This was a Disneyland credit card I almost never used, except for that one day at Disneyland. My question is the following. How are these companies allowed to close my accounts without my consent? The closing down of credit accounts affects my credit age, and consequently my score. Chase never gave me an option to stop the closure process.Do I have to keep using all of my credit cards to avoid damage to my credit score and history?  <response>: You did give them consent. Its likely spelled out very clearly in the card member agreement, which you accepted by taking the card.Also closing due to inactivity is standard process. You can go buy a 95 cent candy bar once a year and that will keep them open. Also keep in mind closing them, is likely a process to protect both you and the bank. Maybe youve lost the card and dont know it, in that case, closing it prevents it from being used without your knowledge.Also Im sure there is some regulation that limits how much available credit they can issue. By closing your account that isnt being used, it frees up your credit that they can use for someone else, who will use the card, and make them money. They are a business after all. 