Sabrina Kilian wrote:
> 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.
> 
> 

One better - some cards allow automatic payment of the balance - tied to 
a bank account of course.

So now vacation and emergencies don't catch you off guard.



Tom

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