<prompt> Human: I have had my first credit card for around 8 years now. I never use it and I got a letter saying it was cancelled. They stated:Inactivity on the accountCurrent or past delinquencyDerogatory public recordCurrent or past delinquency with one or more of your past creditorsit also knocked my credit score wayyy down. I have never had a late payment on anything, I have not charged on that card in well over a year, the only thing I make payments in is my house, every thing else is paid off. So where are these delinquencies etc. coming from?Also, how long will it take for my credit to get back up? Literally dropped me from the 800s to the 600s...  <response>: Its impossible to tell without seeing the letter, but it sounds like they gave you a list of possible reasons the card could have been closed, not a list of the specific reasons applicable to you. It was probably closed due to inactivity. If youre not using the card, its not making them any money, but its still costing them in the form of record keeping, mailing out documents, etc., so theyll eventually closer it. 