with a 10K limit and zero balance. The reason they gave (bs) was for lack of activity and too many inquiries in the past 12 months ?!?!. The wrote that they had pulled a credit report on me from Experian to "help" determine their decision. I had payed off this cc about a year ago. Not that I wanted to keep this slimy card. I know they are a very predatory lender. I'm just wondering if I should dispute a possible "account closed by lender" negative legend on my CR. I've been out of the loop for some time here and don't know what these CC companies (jerks) have been up to in the last couple or three years since I last visited Creditnet. Any comments or advise?