I was on to AIB a while ago because I don't use my credit card anymore and wanted to cancel it and avoid the €40 Stamp Duty or whatever it is these days. The lady told me that it would cost me €40 to cancel it (or the same amount as keeping it). Sounds to me like a rip-off, but nothing surprises me about Irish banking. Is this correct or just a way of getting me to keep my card and possibly use it?