Happened to me 8 or 9 years ago. They basically said, "It looks like you don't need this card anymore, so we are cancelling it." And they did. Believe it was City Bank. Never liked City Bank any way. It will probably affect your credit score some. If you have a decent credit score, you'll get offers in the mail soon. Accept one with the highest credit limit and boom, your back in business. Use it every so often for small items to keep it active, but pay off the balance immediately. But applying for more than two cards within two years could temporarily lower your score again.