OANDA changes

Hi guys, sorry if question was asked.
What will be oanda changes in nearest future? I got two e-mails but am not sure if I understood them correctly - will oanda be charging me whether I trade or not? How can I avoid it?

I think it would be best if you explain what kind of email have you received? Or better yet... maybe copy/paste them.. if it is alowed... Tnx... Are you maybe talking about financing charges ?

"On November 11th, 2019, we will be changing our financing costs on all our trading instruments for OANDA Corporation clients. Our current second-by-second cost structure will be replaced with a new end of day financing cost structure. Under the new financing cost structure, you will only be charged or credited if you hold a position at the close of trading each day, 5pm New York time, rather than the current structure which can also charge you for intraday trades. For more specific details on our new financing visit our website. http://www3.oanda.com/HSHx2r30mt000G040ChIYF000PmQ0"

Due to the Coronavirus pandemic Oanda increased the margin requirement for some forex pairs as of March 30, 2020. Today, the broker announced they’re also taking similar measures regarding AUD/SGD, AUD/CAD, and CAD/JPY, which will be traded with a maximum of 3% margin (instead of 2%). These measures started applying as of April 13.

I have old accounts with Oanda and I saw charges due have two more sub-accounts then I have asked to close the sub-accounts but it's not possible so the only way to keep from be charged in my case here is to transfer between accounts do a trade on each sub account then can be without charges for 12 months.