I have two credit cards- one with RBC and the other with BMO. I prefer to wait until I can pay for some thing so I am an infrequent user and if it was not pretty much necessary in this age to have a CC I would not bother. 

Yesterday I received a letter from BMO telling me if I did not use my CC they are going to charge me $10 to keep my account open. The card will be hand delivered Monday and it will be bereft of lube. Whores.