I've had an MBNA card for, um, I dunno, about 15 years I guess, at least. Once I paid off all the cards onto the mortgage, I stopped using it. It hasn't budged for at least 2 years because I mislaid the card they sent me after the last one got stolen - I've just got a new one. In fact I have 10 quid credit sitting on it because of interest paid that they refunded on the money that got stolen. I like the card because it's a Platinum card and it has a wacking great credit limit after years of minimum payments only - such that if I had to go out this minute and buy a new car, I could do so on that card. Which means it's my safety net.

They seem quite happy to let me have the card and spend nothing on it. I pay them nothing, they keep sending me cheques to use against the card. Plus they're very friendly and helpful on the phone. Unlike other companies I've tried to deal with. :)