I have a card that I did not use for about 5 months. A few days back I tried to purchase some furniture using the card and it was denied. I called the company representative and they said the card was closed a month back as it had not been used for a long time. Can they do this? I have not been late in making payments and have enough credit limit still remaining. I understand it is not an act of penalty. Can anyone explain? How will this affect my credit score?