My lifetime card suddenly charges annual fees.

[NeoTara]

If a lifetime-free card starts showing annual fees, isn’t it better to check for any written confirmation about the lifetime fee first? If needed, should I escalate the issue for a reversal instead of rushing to complain to the ombudsman?

[Siddarth]

Before heading to the ombudsman, double-check any emails or documents you received when you first signed up. If it states "lifetime free" in writing, you have a strong case. Start by calling customer support, asking to speak with a manager, and requesting a refund based on those original terms. Most banks will fix the issue once they see proof. Use the ombudsman only as a final step if the bank refuses to act fairly.