Answer:
From a security aspect, the bank sent a replacement card and that card was not activated. In my mind there should be disclosures stating when the current card will be frozen or closed and only the new card would be accepted. If the customer is not looking at these new cards and the terms of the replacement or ignoring them, I can't see why the bank would continue to allow the cards to remain open. The customer may well believe that by not accepting the new card, the line will be closed to use. Due to nonactivation it only makes sense to freeze or cancel the account, or combine these and separately offer to freeze the account until activated, and if this is not done by a predetermined date, it will be closed. Give your customers the option. I'm not sure one choice has to be made, only that the bank needs to communicate the options with the customer and execute their choice, or by default secure the credit by terminating it due to non-response.
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