My husband and I have had a credit card with Citibank for over XXXX years. This is an XXXX & XXXX XXXX and we were XXXX XXXX. We received a letter several weeks ago that they had cancelled the card because we had n't used it in XXXX years. There was no notice that they were going to cancel the card - just the letter after the fact telling us not to use the account anymore. 
I called customer service and was told I could either open a new account or go through a process to ask them to review the account to determine if they wanted to reopen the account, although there was no guarantee that they would actually reopen it. I then talked to a supervisor who told me the same information but added that she had tried to get Citibank to notify customers before the account was closed rather than after but that her suggestions had been ignored. I chose not to go through their review process because it would mean lifting our credit freeze at the three credit bureaus, for which we would be out about {$60.00} with no assurance the account would be reopened. 
I then wrote to Citibank about the situation. We received their reply yesterday - " It is our practice to notify customers AFTER the date we close the account '' ( Emphasis on after added. ) Had we been given even a few days ' or weeks ' notice, we could have used the card and kept the account open. Now, our credit score will be negatively affected and there seems to be no remedy with Citibank other than to go through a review process which provides no assurance that they will reopen the long-standing account. 
