<prompt> Human: I have a credit line that I almost never use because the interest rate is too high for my taste these days. I mostly work on paying off the balance. I like having it though because its old with a good payment history so it helps my credit. A friend told me that he had the same thing and at some point they shut his account down for inactivity. Is this something that anyone else here deals with? Im considering finding the cheapest thing I can purchase with it just to stay active.  <response>: I think what your friend is talking about happened during the financial crisis in 20082009. Lots of people had lots of extra credit and the banks realized people were hurting and were probably going to run up extra debt before they defaulted.As a result, the banks started freezing accounts and reducing credit limits to the balance people were carrying on cards if there was the slightest hint the person would be unable to continue making payments. This caused lots of problems for people who were just on the edge of making it and going bankrupt.tl;dr Banks will do whats in the best interests for themselves. 