Fees
If you have a solid credit history, you can often negotiate the annual fee. If the card company refuses and you're adamant about paying no fee, you can always shop for a no-fee credit card on the Web. If you have substantial average monthly balances, however, a small annual fee may be a fair price to pay for a lower rate. Keep an eye out for other fees, such as those for cash advances or over-the-limit charges. You're already likely paying the ceiling rate for these charges. Charging an additional fee is a way that unscrupulous card companies may add to your cost of those kinds of charges.
