Hi @Swasti_Bhat,
Welcome to the Niyo Community! 
If your Niyo Secured Credit Card hasn’t been used for transactions in over a year, it may have been surrendered due to inactivity.
No worries! Please email us at global@goniyo.com from your registered email address with details of your concern, and our team will investigate the issue for you.
Thank you for your patience and understanding.
