Complaint / review text:
I just read this complaint and felt compelled to respond, in an attempt to help educate fellow Consumers.
For Creditors, an open account that hasn't been used within 2-years represents a liability. These cards (account numbers) frequently end up in the hands of thiefs (out of sight=out of mind) who will use YOUR CREDIT to rack up charges. YOU will then have to spend A LOT of time disputing these charges (headache), may have to dispute the charges with Credit Bureaus, and that Creditor may have to absorb the loss (high losses raise interest rates for the rest of us).
For Consumers: When you APPLY for Credit, each Creditor looks at 1) Your Income, 2) Your Current Debt, 3) Your POTENTIAL DEBT (amount of open-credit you currently have available). The Creditor views your Potential Debt (amount of open-credit) as a potential-liability because if you end up using ALL of this available credit, that means you will have less Income monies available to repay your responsibility to them. It's a good idea to review your Credit Report annually (you can get a free copy by contacting one of the 3 major Credit Bureaus as you are entitled to one free copy each year, but this sounds easier than it is. These Credit Bureas are: 1-TransUnion, 2-Equifax, 3-Experian).
So, in short, it may have been a good decision that the Creditor made to Close your accounts that have been Inactive for 2-years.
However, I should mention something else of concern. Sometimes, creditors may decide to sell the Credit Account you have with them to a different Creditor. They do this for both Active and Inactive Accounts. (Recently, WashMutual sold one of my Accounts to Citi). They also do this with Inactive accounts. It also costs money to maintain an inactive account (because it has to be 'kept ready for use'). You should get a letter when this happens, but it can still seem confusing.
Good Luck, Everyone!!