澳大利亚联邦银行（CBA）因对一张未激活的公司信用卡账户连续征收13年年费而引发争议。1该账户于2006年启用，但客户自2010年后未曾收到该信用卡。1尽管如此，银行仍以卡与账户关联为由继续每年扣费，直至近期才同意退款1040澳元。1
银行在处理此事过程中多次改口。8月13日，银行称卡于2013年过期后未重新签发，但8月28日又改口称卡每三年重新签发一次。12025年寄出的卡被标记为"不可递送，退回发件人并被销毁"。1该客户过去7年未进行任何交易，但账户内另一持卡人在2024年5月仍有交易记录。1
银行表示，该退款是作为"善意之举"而非"赔偿"。1银行辩称根据设施条款和条件，年费收取正确合法，并声称客户可随时要求关闭卡。1
Commonwealth Bank of Australia (CBA) has faced criticism for levying annual fees on a corporate credit card account for 13 consecutive years despite the customer never receiving the card after 2010.1 The customer's account was opened in 2006, and the card was cancelled in 2010, yet the bank continued to charge yearly fees on the grounds that the card remained associated with the account.1
When the customer questioned an $80 deduction, the bank initially could not identify the merchant but later confirmed the charge was an annual fee.1 A card reissued in 2025 was marked "undeliverable, return to sender" and subsequently destroyed.1 The bank's explanation of the card's status shifted between communications: on August 13, it stated the card had expired in 2013 and was never reissued, but on August 28, it claimed cards were reissued every three years.1
CBA ultimately agreed to refund $1,040 as a "gesture of goodwill" rather than compensation, arguing that fee collection was lawful under the facility's terms and conditions and that the customer could have requested card cancellation at any time.1 The bank maintained that according to its regulatory code, the fee charges were justified.1
Investigation revealed the customer had conducted no transactions for seven years, though another cardholder on the account made a transaction in May 2024.1
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