I haven't closed any accounts since I asked Citibank to stop billing me for a secured credit card that they kept making a repeating personal loan to re-pay even after I had a zero balance. I must have missed something in the fine print for that to have occurred. My question is to credit accounts that I have paid off and don't want to use. I had two accounts that were closed because I didn't use the account--I have given the excuse "account inactive" for their closing the account. I am trying to eliminate my debt-to-credit utilization by eliminating account balance one card at a time. I just eliminated the debt on one this year 2020 already and I intend to eliminate at least another if not two by the end of the year 2020. How do I keep the account in an active status, without actively using the credit card? Or do I have to use the credit card within a certain time period occasionally--which is working against my stopping impulse buying?
