Our Intrust Visa statement came today. We hadn't used it in the past month and had no carryover balance so I was surprised to see a figure over in the amount due column. Looks like if we want to use the card for the next 12 months it will cost us $49 for the annual fee. No thanks Visa!

Dump it. Unless the thing gives you something special like airline miles, points or 0% on cash for a year get rid of it.

debt is dumb, cash is king!