MemberSince99 wrote:How can they charge you a fee for not using it?
I'd tell them what to do with the card and their fee for non use. I almost can't believe they tried that but if they did, it's another good case of why closing cards you won't be using is a good idea. Please tell me that didn't happen.
I took the Chase Freedom down to Galveston. DH stayed home. We both used the Freedom in both places simultaneously, which probably looked like suspicious activity. They froze my AU card, which I discovered when I was trying to gas up to go home. I called in, but since I was a mere AU, I couldn't do anything to un-freeze the card. They explained, "Umm... there was a suspicious charge of ($1.96 or some teeny amount like that) for digital pictures printed. Was that yours?" Of course, it wasn't; and of course, if there had really been real charges, they would have locked up both cards and given us new cards with new numbers, but I was just focused on getting home with a weeks-old baby. I drive my eight or nine hours and come home; get DH to promote me to JU that night; and stick the Freedom in the drawer for the next 12 months or so. My snit over, I start easing it back into use.
At some point afterwards, I notice on the "Fees for YYYY" summary on my monthly statement, that I have some random (insignificant) charge. Since I pay in full and long before the due date, non-use was the only fee I could think of... but I didn't catch it when it was originally levied. I'd have to go through my files to find out (a) how long I really left the card unused for, (b) how much it was, (c) when it was levied, and (d) what the stated reason was. My fault for not paying better attention; it (the charge) was probably back in 2010 if I had to guess.