Jim Charter wrote:
> Is it just me being paranoid?

I've never let a credit card charge me a 'service fee'. The trick, so 
far, has been to read all the paperwork with someone else and to avoid 
any thing they offer over the phone. Sure, some cards do have a monthly 
or yearly fee, but I never got one of those.

I would say paying it on time is key, but with the companies cutting 
grace periods down to 20 days, and then waiting till 3 days after the 
closing date to actually mail a statement, it can get tough. I've 
switched to paying online. When I pay the one bill, make a note of the 
next closing on the calendar and be ready for it next month.


So, no, not paranoid. Paranoid would be using cash for everything to 
stay untraceable. Or refusing to use cash because the serial numbers 
could be traced back to you. Or worse.

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