I'm confused. The person you were replying to said:

> you have to find all charges going to your old CC and then deal with moving every one of those accounts to your new one when it gets there. Hopefully you don't incur any late fees while you're going through the process!

I've never been charged a late fee by a firm I didn't have a credit agreement with. Perhaps other parts of the world are more insane, but here that is definitely not commonplace.

I don't know who does and who doesn't, honestly. I try to avoid being delinquent. I know from the last time I had to change my card that my phone provider and ISP certainly do. Anybody who charges you on a recurring basis certainly can — they just add the amount to your next bill. They won't take you to court for it, but it will be added to the amount that you must pay or be disconnected.

I think the key here is "Hopefully you don't incur any late fees while you're going through the process!"

Sorry, I should have said "fees". I've recently had to deal with this process, and I've found a few vendors who charge a penalty if the attempt to charge my card doesn't go through for any reason.