Now that you’ve found a low-interest card, don’t let
other fees and charges spoil it.
Finance charges, late fees, over-the-limit fees,
balance-transfer fees and other fees can add up quickly. Fees can
make paying off the balance a distant goal. Don’t let that happen.
This chapter explains every type of fee you could possibly be
charged and offers tips on how to avoid them. We also discuss how
to keep the interest rate from increasing so that your low-rate
card stays that way.
What can you expect to learn from this
charges are figured
An easy-to-understand chart explains how various types of finance
charges are calculated.
FAQ on fees
Late fees, over-the-limit fees, maximum allowable APR and more: Here are the
answers to common questions.
How to avoid
These seven tips to help you avoid paying late fees may save you a
Why your rates
You may think it’s just because you were late with a payment. It
may be — but here are some other reasons why your rates might go
Hefty cost of
going over the limit
When you overspend your credit limit, the fees can be exorbitant.
We give you five ways to avoid going over your limit.
When is a
‘fixed’ rate not fixed?
Our Debt Adviser explains when the issuer can raise your rate — and
explains how to avoid balance-transfer fees, too.