My younger brother has a small business, one of his cards is up to $12,000, he has faithfully been paying on it, never late, but has not used the card in a long time, trying to pay off the bills. Well he recieve a letter telling him that they were closing the account due to inactivity and that he was getting a bill in the mail for the total amount due. He can not come up with$12,000 when this bill comes in. Can they do this? He is asking me, so I am asking you????