Fight Fees With Low Fee Credit Cards

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Fight Fees with Low-Fee Credit Cards


Overview


Do you know the fees associated with your credit cards? Many people pay without fully understanding what charges they're incurring. Credit card terms are often more complicated than they need to be. So, what can you do to fight these fees?

Know the Fees


Credit card fees can include annual fees, late payment charges, penalties, cash advance fees, international transaction fees, and even fees for phone payments. In 2006, card issuers collected a staggering $25 billion in fees alone.

Steps to Reduce Fees


1. Choose No Annual Fee Cards: Opt for cards that don’t charge an annual fee.

2. Avoid Cash Advances: These come with an average 3% fee and accrue interest immediately, often up to 25%.

3. Skip Convenience Checks: Using these can result in multiple fees, especially if they bounce or are stopped.

4. Use Cash or Debit for Certain Purchases: Buying money orders or lottery tickets with a credit card can incur additional fees.

5. Mind Foreign Transaction Fees: These can be inaccurate, and you may qualify for refunds. Check [ccfsettlement.com](http://www.ccfsettlement.com) or contact your card issuer.

Best Low-Fee Credit Cards


Top Picks


1. Simmons First National Bank (P):
- Interest Rate: 7.25%
- Cash Advance Rate/Fee: 11.25%/3%
- Annual Fee: None
- Grace Period: 25 days
- Late/Over-Limit Fees: $29 each

2. Capital One Platinum Prestige (P):
- Interest Rate: 7.9%
- Cash Advance Rate/Fee: 19.8%/3%
- Annual Fee: None
- Grace Period: 25 days
- Late Fee: $35
- Over-Limit Fee: $29

3. Pulaski Bank & Trust (G):
- Interest Rate: 7.99%
- Cash Advance Rate: 7.99%
- Annual Fee: $50
- Grace Period: 25 days
- Late/Over-Charge Fees: $29 each

Take Control


Credit card fees can be costly, but you can manage them by choosing the right card and being aware of how fees are applied. If you’re unsure about your card’s fees, don’t hesitate to contact customer service for clarification.

You can find the original non-AI version of this article here: Fight Fees With Low Fee Credit Cards.

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