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Redeeming Rewards Points on Your BMO USA Credit Card: A Step-by-Step GuideWho Will Get Charged the BMO MasterCard $10 Inactive Card Fee? If you don't use your MasterCard one month, the clock will start ticking. If. Inactive account fee: charged on your statement date if there has been no account activity for 12 consecutive billing periods. $ What happens if I refuse to pay the fee for closing my account at BMO (US)? inactivity fees (United States, bank account, fees, legal, money)?.