If closing the credit card you consider to be a right to be earned, paying off your credit card bill is a very necessary obligation. Do not expect you to close your credit card before your bill is paid out. Do not just calculate your credit card bill or mortgage only. You must also take into account the annual fee or annual fee and the interest charged to you. To avoid any annual fee, you can try to go for free credit card generator that can be found easily on the internet.
Regarding annual fees or annual fees, not everyone is aware of it and immediately startled when the fee is also charged in the bill. Many are protesting because they think they have been harmed. This is only because of their lack of understanding of the costs. Generally people only focus on total transactions and interest, so do not take into account the cost of other credit cards. For credit card interest, you should set aside about 3 % more funds for the interest of your total transactions. This is because the maximum credit card interest rate not more than 2.95 %. The party that set this figure is the Central Bank.
Meanwhile, annual fee is often unaware of its existence because this one fee is not directly charged to the credit card owner at the beginning of its ownership. The card issuer negates these charges for a certain period of time. Only after the time period expires, the new credit card owner is charged with annual free. There is a possibility when you decide to close your credit card, the annual fee is charged and you are surprised to see it in the bill. However, you still have to pay this annual fee so your credit card closing can be processed.