I just had the same thing happen to me today, and I'm furious. I don't agree with you that it's "your fault" for not using the credit card for 2 years.

I have held several lines of credit for 5+ years and there is no reason for a creditor to close a line of credit other than a) the nominal account maintenance fee and b) the much more important fact that they're not making any money off you and/or are forecasting dire straights for the US economy 2009+.

What recourse do we have here as, yes, this *will* lower our credit score.

FYI, I did call Chase tonight and spoke with a manager who confirmed that (lowering my credit score) after she had put me on hold to check and she also stated that the account was closed due to the fee of maintaining a non-active account.