I have always avoided store cards because of their extremely high rates of interest but was interested to read this article which suggests some may now charge you for not using them. Santander have written to customers to tell them that their terms and conditions have changed. The company which issues store cards for House of Fraser, Debenhams, Laura Ashley and several other high street chains will now be able to charge a £10 fee to customers who do not use their cards for six months. The article suggests that many shoppers take out store cards to take advantage of introductory rates over Christmas without intending to use them on a regular basis. Bearing in mind that many store cards charge almost 30 per cent interest this seems to me another good reason not to use them.