Banks have seriously lost their minds!!
Anyway, it seems I had a $50 credit balance sitting on my Sears mcard... not sure why, but I sometimes overpay or pay twice by mistake.
Imagine my surprise when the first line of my first statement shows a CREDIT BALANCE FEE for -$25!?! My new credit balance was $25... I suspect next month it would have been $0.
Then, I got another surprise was when the Scotia customer service rep - who I spoke to about the fee, then about closing this acct - thought it necessary to ask "May I ask why are you closing your account today?". LOL!