Can a “not having a credit card” fee be far behind?

credit.about.com/b/2009/08/10/fifth-third-bank-charges-inactive-credit-card-fee.htm

Some credit card issuers are closing credit cards for inactivity, but USAToday.com reports Fifth Third bank is charging a $19 fee on credit cards that have been dormant for more than a year. You must use your Fifth Third credit card at least once every 12 months to avoid the fee. The credit card disclosures for Fifth Third credit cards don’t state whether the inactivity fee is monthly or annual. I’m guessing it’s a monthly fee charged every month your credit card goes unused after the 12th month.

An inactivity fee could lead to more trouble since many people who haven’t used their credit cards would simply throw their billing statements away without checking them. The fee would go unpaid, leading to late charges, interest rate increases, and credit score drops.

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