We received a late fee balance on a card we NEVER used. They charged us a fee, then charged us a late fee then sent us notice. THAT was when we found out about the card fee in the first place.
I called them, got NASTY people telling me how evil we were. Had them put the manager on and He ALSO was nasty until I informed him the card had never been used! He changed his tune cleared all the fees and late charges then proceeded to try to sell me on how good the credit card company was and would I like to have one. I asked if he was kidding me!
To actually close one you must write to the company and request that it be closed and let them know that by law,. they must send you back an acknowledgement by U.S. mail.
Otherwise your account will remain open indefinitely and if later they decide to charge a fee, you will be billed for it.
I had a personal experience once trying to close an account by phone, the guy tried and tried to talk me out of it but I wouldn't budge. He finally gave up and said, "OK, I'll close the account"-- He lied. I wound up closing it the way I described above.