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How do corporate cards become inactivated?

Summary:

I want to understand how corporate cards become inactivated in Oracle.

Content (required):

The goal of this post is to understand how corporate cards (not corporate card transactions) become inactive in the system. We've experienced situations where corporate cards become inactive and users cannot see transactions on their expenses screen.

My assumption was that the bank was marking cards as inactive after they are unused after a certain period of time. The bank claims that there is no information in the transmission file that forces the cards to be inactive in Oracle. I cannot find a setting in Oracle that determines if a card should become inactive. 

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