I'm after a credit card to use "in case of an emergency" not for any other purpose....
hence I'm wondering if there exists one that doesn't have an annual fee and won't penalise me for not spending a dime on it in say a period of 6 months or more. I just want one in case I'm ever in a situation where I don't have the cash on me and need to use credit... hence I need one that won't cost me the earth to keep it around (even if I don't spend in a period of 6 months).
??? Does this type of credit card exist? ???
Also, do credit cards generally penalise you for cancelling your card after 6 months without spending a dime on it? I want one however if I find that I also am in a position where I don't really need it I want to be able to cancel it even if I havn't used it in 6 months or so.
Thanks !!![]()
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