Minimize credit card fees
Thanks to a 2009 law known as the CARD Act (short for the Credit Card Accountability Responsibility and Disclosure Act), consumers no longer have to worry about "any time, any reason" interest-rate hikes on theircredit cards or hair-trigger penalties.
But issuers still have other fees at their disposal. Fortunately, cardholders can take steps to reduce or even eliminate many of these costs.
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Here are five credit card fees you can avoid with a little research and planning.