If I don't activate my credit card will I still get charged an annual fee?

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If I don't activate my credit card will I still get charged an annual fee?

Postby jimpeterson » Sun Aug 29, 2010 7:33 pm

Will I get charged the annual fee for an airline card if I lose the card, get a replacement card, & not re-activate it?

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Postby jeffysdad » Mon Aug 30, 2010 5:24 pm

Seems like a near certainty. If you report the card lost, they'll issue a new number. If you don't call to activate in a certain amt. of time, they'll probably call you. At any rate, I don't think they suspend the annual fee if the account is in limbo due to a lost card. If you just say you need a new card with the same number, it won't require activation, so it will obviously still be active.

Sounds like you're trying to let the card lie dormant without closing the account and without incurring an annual fee. Why not just call and ask them for that? If they want to keep you as a customer, they might be willing to do it.
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Postby Mogul of Pineapples » Thu Sep 09, 2010 1:03 am

Yeah what is it you want to do this? It does sound like what jeffysday concluded- you want to keep the card open but avoid the annual fee. Is that what you're trying to do? If so keep in mind that even if they can put it in dormant mode, it can't stay like that forever. Eventually you would have to pay the annual fee. If you see that being a problem both now and in the future then it may be best to go ahead and cancel it.
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Postby jlk82 » Fri Nov 26, 2010 10:17 am

I was charged an inactivity fee on a Citi credit card that was not activated. The fee was waived after I disputed it and that was before the CARD reform happened.

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Postby infomaniac » Mon Nov 29, 2010 2:38 pm

Inactivity fees are no longer permitted per the reform measure.

For any credit card carrying an annual fee, the cardholder will still be charged whether the card is activated or not.

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Postby Cucumber » Fri Dec 03, 2010 3:20 am

infomaniac wrote:the cardholder will still be charged whether the card is activated or not.

I'm 99.99% sure of that too
Stop talking crap about him!

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