If you’ve been waiting for just the right time to cancel your department store credit card, this may be it. In a move that I would have never seen coming, the first department store has started charging a nearly $20 fee to their customers that don’t use the credit card for 6 months. WOW! This comes on top of interest rates that can reach nearly 30%. Why on earth would someone have a card like this?
The Spanish bank Santander manages credit cards for stores like House of Fraser, Laura Ashley, and Debenhams, as well as many others.
http://www.dailymail.co.uk/news/article-1338076/The-10-fee-using-store-card.html