Cards with an annual fee usually offer extra rewards and benefits or a lower interest rate. Usually, the charge will appear on your credit card statement once a year. Annual feesįinancial institutions may charge an annual fee for some of their credit cards. Ask questions about anything you don't understand. Read the terms and conditions of the credit card application and agreement carefully. Different credit cards have different fees. These fees include taking out a cash advance or using your card in foreign countries. When you use a credit card, you may have to pay fees for services. Ask questions about anything you don't understand.īecause the $85 annual fee is higher than the $48 reward benefit you receive, this credit card isn’t worth it.
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