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ccdavis92

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I have an American Airline Special Financing Credit Card (6 months interest free finance).
I opened it in the spring for a flight i didnt have the money for that month but paid it off next month. I know that regular credit card when inactvie can be closed by the bank, but what about these types of cards? Its not like i can use them everywhere, should i worry about it being closed? Also FYI the card is financed through Citi

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Card Activity is Monitored

This is a concern that if left unused for too long the account could be reclassified as "dormant" and the card issuer (Citi) could stop reporting payment history to the bureaus.  As far as if they'll close the card, I imagine that is a policy that differs with each credit card issuer.  The main factors that comprise your credit score are payment history and debt-to-available-credit.  If your card issuer stops reporting payment history, that can have a negative effect on your credit score(s).  If they close the account, that can also have a negative effect on your score; if this account has been open for longer than most of your other cards, your average-age-of-account decreases (one of the factors that goes into your credit score), and also your available credit decreases, so if you're carrying any balances your debt-to-available-credit increases, which is a big factor in your score (around 30%).  Overall, I would say keeping your older accounts active with a low balance (something like a monthly Netflix or other subscription) that is paid off monthly can have a greatly positive influence on your scores.

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