Dormancy fee AMEX (Still Around?)

Lith
Lith Posts: 897 Forumite
Tenth Anniversary 500 Posts Combo Breaker
in Credit cards
Hey all,

A while ago well year and a half... i was going to apply for

Platinum Cashback Everyday Credit Card (Back then i saw the T&C and it said Dormancy fee £20 which put me off, anyway was going to apply this and after i checked the T&C again the fee seems to have vanished?


https://www.americanexpress.com/uk/content/pdf/card-products/platinum-cashback-credit-card/Plat-CB-everyday-TandC.pdf

So has it been scrapped or what ?


Cheers
Lith
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Comments

  • bengalknights
    bengalknights Posts: 5,021 Forumite
    Part of the Furniture 1,000 Posts
    No it still exists for those who dont use card for over 12 months
  • dj1471
    dj1471 Posts: 1,969 Forumite
    Part of the Furniture 1,000 Posts Home Insurance Hacker!
    Why apply for it if you don't intend to use it???
  • Lith
    Lith Posts: 897 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    bengalknights wrote: »
    No it still exists for those who dont use card for over 12 months

    But not listed in the T&C? (isn't that against the rules) ???
    dj1471 wrote: »
    Why apply for it if you don't intend to use it???

    I'll use it, but not all the time.... maybe not in a year, but good to have an account with them.
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  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I have several cards with nothing on them - its not difficult just to use them once a quarter just to keep them ''live'' just in case you need them.
  • Chino
    Chino Posts: 2,031 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    bengalknights wrote: »
    No it still exists for those who dont use card for over 12 months
    Whilst a dormancy fee may apply to existing cardholders, it clearly doesn't apply to new applicants because there is no mention of such a fee in the card's terms and conditions.
  • Lith
    Lith Posts: 897 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    Chino wrote: »
    Whilst a dormancy fee may apply to existing cardholders, it clearly doesn't apply to new applicants because there is no mention of such a fee in the card's terms and conditions.

    Exactly, so if they *enforce this on new account holders* wouldn't they breach the T&C? which could end them in some serious trouble?
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  • bigadaj
    bigadaj Posts: 11,531 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Held mine for just over a year, hit the cashback, now cancelled and will apply again later this year as I believe you qualify for new offers after six months.
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
    1,000 Posts Combo Breaker Newshound!
    As others have said , what is the point in applying for a cashback credit card if you have no intention of using it.
  • Lith
    Lith Posts: 897 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    Ben8282 wrote: »
    As others have said , what is the point in applying for a cashback credit card if you have no intention of using it.

    I have the intention to use it... but there might be a time where i wont use it for a whole year...


    just odd it's not listed in the T&C and they can enforce this and not get a major bollocken?
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  • bolton_joe
    bolton_joe Posts: 24 Forumite
    It is probably not in the new T&Cs because they will close yoir card before you hit 12 months of inactivity. A lot of companies going down this route recently to get rid of the cards in people's drawers!
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