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1. Annual fees
At one time, these fees primarily hit consumers holding airline credit cards, but now they're seen with some generic cards, too. Annual fees might be offset by benefits --for example, travel rewards credit cards sometimes reimburse what you pay to check a bag with an airline, and that may make up for the fee if you travel often.
But it's easy just to avoid an annual feewhen looking for a new credit card bysteering clear of cardsthat charge one. You might seek out cards issued by smaller banks or credit unions. If a card you've had for a while implements a new annual fee, it's worth calling the issuer's customer service department and asking them to waive it for a year.