Ollo closed my account just because I hadn't used it. I originally got the credit card for emergencies. They never sent me anything letting me know that if I hadn't used it that my account would be closed. It really sucks to be penalized for not using a credit card. But all the Sametime it pulls your credit score if it shows an increase in your credit uses The only communication that I've received from Ollo was the letter that I received February 2 2022 saying that they closed my account .