you get a credit card to help build your credit and you pay on time more than the minimum then all of a sudden they tell you you got to start paying them an annual fee because theyre falling short well when i fall short whose gonna pay my debts the consumers should not have to pay the debts of the credit card companies .you then ruin our credit because we choose to cancel because you got yourselves in a mess( grow up and be responsible credit card companies).

dc