Maybe a stupid question but...

If you do not buy anything with a credit card by the time the monthly fee is due you don't have to pay anything right?... Since you did not borrow any money. New to this credit card thing. 0 annual fee 0 intro fee.

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dirge

there's a few factors, some credit cards have a fee to use them - those are typically paid on a yearly basis if you do that at all (most starting out CCs are fee free) if you don't buy anything, or hold a balance over the month, there is typically no charge.