Hi all, I was recently offered a Visa Credit Card. I am not at all knowledgeable about some things about credit cards, so here are a few questions that I have in respect of credit cards; do you pay a monthly fee on a credit card even if you don't use it? do you pay an additional fee for the insurance you get on your credit card? and finally, would you recommend a credit card? and why would you? thanks for the answers and the suggestions everyone!