If I apply for a credit card, but don't use it, is there any inactivity charges they can issue me?

[john]

If you apply for a credit card that has no annual fee, you will not be charged anything for inactivity. There are many no annual credit cards that you can choose from, so just make sure you get the right one. For instance, here is a list of credit cards that offer low interest with no annual fee: http://www.creditcardxpo.com/low_interest.asp

read the terms contract

[Ginger]

There isn't any point applying for one and then not using it. At many banks it would be closed after a year of inactivity and any fee would be disclosed in the cardmember agreement. Amex charges an annual fee on most cards, so you would be better off with a Visa or MC if you need one to establish credit or emergencies.

[Ginger]

There isn't any point applying for one and then not using it. At many banks it would be closed after a year of inactivity and any fee would be disclosed in the cardmember agreement. Amex charges an annual fee on most cards, so you would be better off with a Visa or MC if you need one to establish credit or emergencies.

it depends on the issuer and theirterms and conditions.

a lot have "threatened" to start charging in this situation, but until one does and gets away with it by not losing customers in droves, no-one wants to be the 1st.

why not consider doing this though. every month buy something on it you usually pay cash for, say your petrol or your shopping at tescos. Put this money to one side and pay it off in full each month when the statement comes. it will also help your credit histroy file to have all these ontime payments on it.

ok some issuers have "threatened" to charge people who pay off in full each month, but as I said before until the 1st one does no ones wants to.