{
  "checked": "2026-11-14",
  "note": "No US issuer publishes a fixed inactivity period. Every figure here is a reported closure, not a policy. reportedMonths is the range of reported closures; shortestReportMonths is the shortest credible report; smartIntervalDays is how often ActiveCred's smart cadence charges a card from this issuer: no more than half the shortest report, never less often than once a year and never more often than once every 90 days. Unknown issuers get 90 days.",
  "sources": {
    "doc": {
      "title": "Which Banks Close Credit Cards For Inactivity?",
      "publisher": "Doctor of Credit",
      "url": "https://www.doctorofcredit.com/which-banks-close-credit-cards-for-inactivity/",
      "published": "2019-08-22",
      "kind": "Article plus reader reports"
    },
    "cfpb": {
      "title": "Regulation Z, 12 CFR 1026.52(b)(2)(i)(B): no fees for inactivity",
      "publisher": "Consumer Financial Protection Bureau",
      "url": "https://www.consumerfinance.gov/rules-policy/regulations/1026/52/",
      "kind": "Regulation"
    }
  },
  "defaultIntervalDays": 90,
  "issuers": [
    { "id": "amex", "name": "American Express", "match": ["american express", "amex"], "reportedMonths": [12, 13], "shortestReportMonths": 12, "notice": "Some cardholders report an email giving about 35 days to use the card.", "smartIntervalDays": 182, "source": "doc" },
    { "id": "bofa", "name": "Bank of America", "match": ["bank of america", "bofa", "boa"], "reportedMonths": [24, 36], "shortestReportMonths": 24, "notice": "A letter giving 30 days to use the card is reported; others report closure after a few years with no warning.", "smartIntervalDays": 365, "source": "doc" },
    { "id": "barclays", "name": "Barclays", "match": ["barclays", "barclay"], "reportedMonths": [13, 24], "shortestReportMonths": 13, "notice": "Mixed: one report of a warning at 12 months and closure at 13; others closed without notice.", "smartIntervalDays": 182, "source": "doc" },
    { "id": "capitalone", "name": "Capital One", "match": ["capital one", "capitalone", "cap one"], "reportedMonths": [24, 48], "shortestReportMonths": 24, "notice": "Advance notice is reported in the longer cases; one reader reports closure at card expiry instead of reissue.", "smartIntervalDays": 365, "source": "doc" },
    { "id": "chase", "name": "Chase", "match": ["chase", "jpmorgan"], "reportedMonths": [12, 24], "shortestReportMonths": 12, "notice": "A heads-up before closure is reported. The 12-month reports involve a card that was expiring and not reissued.", "smartIntervalDays": 182, "source": "doc" },
    { "id": "citi", "name": "Citi", "match": ["citi", "citibank"], "reportedMonths": [25, 25], "shortestReportMonths": 25, "notice": "A letter after closure is reported; reopening within 60 days is reported, possibly with a hard inquiry.", "smartIntervalDays": 365, "source": "doc" },
    { "id": "discover", "name": "Discover", "match": ["discover"], "reportedMonths": [18, 18], "shortestReportMonths": 18, "notice": "One report of a 30-day mailed warning.", "smartIntervalDays": 273, "source": "doc" },
    { "id": "wellsfargo", "name": "Wells Fargo", "match": ["wells fargo", "wells"], "reportedMonths": [10, 12], "shortestReportMonths": 10, "notice": "Not reported. Points are reported lost on closure.", "smartIntervalDays": 152, "source": "doc" },
    { "id": "usbank", "name": "U.S. Bank", "match": ["u.s. bank", "us bank", "usbank"], "reportedMonths": [12, 36], "shortestReportMonths": 12, "notice": "One report of a letter at 12 months; another of closure after a few years with no warning.", "smartIntervalDays": 182, "source": "doc" },
    { "id": "synchrony", "name": "Synchrony (store cards)", "match": ["synchrony", "sams club", "sam's club", "amazon store"], "reportedMonths": [12, 24], "shortestReportMonths": 12, "notice": "Not reported. Some cardholders report reopening on request.", "smartIntervalDays": 182, "source": "doc" },
    { "id": "comenity", "name": "Comenity / Bread (store cards)", "match": ["comenity", "bread financial", "bread"], "reportedMonths": [24, 24], "shortestReportMonths": 24, "notice": "Not reported.", "smartIntervalDays": 365, "source": "doc" },
    { "id": "penfed", "name": "PenFed", "match": ["penfed", "pentagon federal"], "reportedMonths": [24, 24], "shortestReportMonths": 24, "notice": "One report of notice six months ahead.", "smartIntervalDays": 365, "source": "doc" },
    { "id": "elan", "name": "Elan Financial", "match": ["elan"], "reportedMonths": [48, 48], "shortestReportMonths": 48, "notice": "Not reported; one report of closure at 48 months.", "smartIntervalDays": 365, "source": "doc" }
  ]
}