I tried something similar with a big bank once. I got calls from collections agencies about 9 months later. I ended up paying them about $50 in account fees to save a black mark on my credit report. They were charging me to keep my account open even though I made it very clear that I didn&#x27;t want that, but I didn&#x27;t go through all their proper paperwork.<p>So yeah, it&#x27;s not like any of these types of establishments care at all about their reputation. They&#x27;ll gladly ignore your not-to-their-letter cancellation, stop contacting you, and send your $50 usage fees for no actual usage to collections.