Originally Posted by
badgersfly
I have applied for and received by Venture X. Am I assessed the annual fee immediately, or not until I activate/use the card for the first time? Same question on the 6 month spend window?
There's no clock that depends on the card activation or first use. The clock starts when your account is approved, and AF is the first charge. But if you decide not to accept the contract after reading it, it's best that you don't use the card.