There's quite a lot of pushback in these questions about the fact that a closed account permanently takes up a slot. You say it "consumes resources" Erinc, but there's no equivalence between the resources a closed, never-to-be-used-again account and an actively operated account use. We change card providers every couple of years and I wouldn't want to buy a product that basically eats itself to death with a few minor administrative changes. The answer here is pretty obvious. Allow people to pay to archive closed accounts. Sure, by all means make them wait a bit before they can re-use the slot. But this "use it once, lose it forever" is madness. You do realise how much hassle it is to open accounts these days? Nobody is going to be doing that just to game your quota system. Limit active account numbers by all means, but archive closed ones