New Delhi, July 3 -- Credit cards now come in all types and forms. Banks issue credit cards catering to specific spending categories that include groceries, food and dining, travel, utilities and entertainment. While it is advisable to have a single credit card for all your spending needs, a lot of people use multiple credit cards to avail rewards, cashbacks and other benefits.

So, what happens if you get a credit card for a specific benefit-say travel-use it for a couple of months and forget all about it? If you do not use your credit card for more than one year, your bank will start the process of closing your credit card account after informing you. Here is a guide on how to keep your credit card account active and the rules governing...