Cut credit card fees

By Bankrate.com

Credit card companies are raking in the cash on our laziness and sloppy record keeping. Thirty-seven percent of their revenue in 2004 came from fee income -- late fees, over-the-limit fees, cash-advance fees and more. Here's how to keep your money in your piggy bank, not theirs!

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Save money now!

Don't get punched with penalties

Pay your bill on time because the fees will bruise your wallet.
Plus: Tips to avoid credit card late fees

Organize due dates to fit your schedule

If your monthly bills overlap, arrange the payment schedule to fit your monthly cash flow.

Mind those limits

Quick -- what's a credit card block? Hint: a block lowers your available credit. Find out more before you get stuck.

Monitor the rates

What can you do when your credit card rate rises? Very little. Even fixed rates can change.
Plus: 5 reasons your credit card rate goes up

Resist the temptation

Strapped for cash? Beware of taking a cash advance from your credit card. The rules are not in your favor.
Plus: Using cash advances wisely

Travel smart

Banks smuggle hard-to-find costs onto your bill when you use your card abroad.

Credit card fees FAQ

The monthly statement is confusing enough, but how do you know if the added fees are legitimate? Bankrate experts answer your frequently asked questions.