I received my card a year ago. I received a letter today cancelling my account for " Inactivity". I'm having surgery in August and had planned on using my card for a portion of my bill. Spoke with Customer Service and was told to re-apply. When I voiced my concern about my credit report showing an account closed than re-opened, I was told by the representative that I should have used my card sooner! I will NOT be re-applying, I will stick to my MC or Visa.