I got my BMO Mastercard years ago and have always paid off my balances, but after I moved to a remote location temporarily and used cash rather than credit, I kept seeing service fees up to $17.50 on my statements for months when I did not use my credit card. Nobody at BMO Mastercard has been able to explain this service charge except one supervisor, who insisted it was a 'normal' charge to keep my credit card active. Oh really, because Visa and AMEX have never charged me this. My credit card was also compromised and one purchase made to it prior to me reporting it lost...most likely during the 35 minutes I was on hold to report it? Although I reported the card lost or stolen, and disputed the charge, the "customer service" people would not reverse the charge because of a variety of different reasons. "You reported your credit card lost after the purchase" or "You are a frequent shopper at Shoppers Drug Mart, where the supposedly unauthorized purchase was made, so this looks suspicious to us" and the like. I cannot understand why BMO Mastercard treats customers so poorly, dings them with unncessary charges, and assumes its customers are fraudsters. Horrible way to treat customers.