A penalty fee asked to pay by credit cards issuer to a cardholder’s account for not making use of the credit card for a particular deadline. Dormancy fees, also known as inactivity fees, same goes to the Forex Broker what they do if you have an account with any Broker and if the Broker charge dormant fee they must have deadline for inactivity of the account, every Broker have their own rules regarding dormant fee some brokers charged Dormant fee and some are not charging however, to more clear I will just say if you have an account with any Broker and you have some funds as well and if you do not trade until deadline of the Broker then Broker will start charging dormant fee until you trade or until your funds become zero once your funds are zero they will close your account as well.