Unused credit is considered abandoned property after 6 months, depending on the state. Each state has different regulations. This is a massive pain to deal with

Unused credit is considered abandoned property after 6 months, depending on the state. Each state has different regulations. This is a massive pain to deal with, so most places have to work around it. Source: I used to work at an online bank where we'd close the account after 6 months of inactivity.