<prompt> Human: When I was young I got a walmart credit card and maxed it out at 2000 back in mid 2010. I was scared so I never did anything about it except try to pay the minimum payment every month. I just realized 4 years later that I have been paying a card security fee of about 32month for a card that I havent used since about 2011 if not longer and I still owe 1800 due to a late fee here and there and this 32 fee every month combined with 22.90 APR.I called in to complain and Walmart Credit Card Syncrony Bank was only able to credit my account back for this year only and cancelled the card. They said that they cant go back to previous years and cant refund me any of these lost fees or extra interest.The reason this whole thing happened was that I was just paying the minimum payment every month without looking at the statement since I didnt use the card. I would like to be refunded these fees and interest caused by these fees. Is there any chance of being refunded? I just contacted Walmart credit card again via email and I am waiting to here back. I live in California. If they are unwilling to help with the fees is there any legal action that I can take?  <response>: I was scared so I never did anything about it except try to pay the minimum payment every month.Think of that fee as a not caring tax. You owe 1,800 for more than just a late fee here and there, you owe 1,800 because you didnt pay off your balance .As others have said, its great you got a year of fees back, but just pay that down and move on. Its possible you could open a new account with another credit card and they would do a balance transfer with a reduced rate of interest for the first year or so and that might make it easier to pay down, but if your credit is currently bad its going to be tough to do that.tl;dr PAY THAT OFF! 