Yeah, I'm not sure how millennials will take to the idea of...

Yeah, I'm not sure how millennials will take to the idea of paying a monthly fee to own a card that they may or may not use.

Sure, you'd have to think someone is going to use a card if they may a monthly fee, but I think (just one man's opinion) that they would see a monthly fee as just another bank penalty, just as a monthly bank account fee, or annual credit card fee, or interest.

AfterPay, no fees, no charges, don't use it, never pay a cent. Use it, pay back your purchase over 4 installments, no fees, no charges... no brainer.