What is the total credit card fees involved while using a card?
Answered on Tuesday, September 28th, 2010 by Amy Miller
Updated: September 28th, 2010
Amy Miller
The content is accurate at the time of publication and is subject to change.

There are a number of different credit card fees that are applicable for the usage of credit cards today. You should ideally know about these different fees so that you can better plan your finances and have an idea of these expenses before they actually become critical issues. Remember that in most cases, these fees are mentioned to you before you apply for the card. However, it is important to be assured that you can read the fine lines and be aware of these fees before you can actually apply for the credit card.

One of the first fees that are going to be a part of your credit card would probably be you application fees. This is a part of most credit cards, but not all of them. There are some credit card companies out there that will not charge you any kind of application fees for their credit cards. Hence, you might want to know more about these, in case you are looking to save your money in this regard. However, these fees are not particularly high, and in most cases, may be waived for first time customers.

The next fees to look at will the annual fees that are associated with the credit card. This too is not a necessary fee that is associated with the credit cards. While some credit card providers charge their customers with these fees, the other card providers will make do for this elsewhere. Hence, this is something that you might want to look into, but do keep in mind that this is not something that you should be concerned about. There are some great cards out there that don’t really have any bad feature as such, but might have an annual fee associated with them.

Finally, there might be other fees that are associated with the cards as well. These are something that you might want to look at, specific to your card. There are certain credit card providers out there that will charge fees depending on the services that are provided with the credit card. Hence, you might want to consult with your credit card company about this and discuss these fees before signing on the dotted line. Consider all the different fees and if you still feel that the credit card is worth going in for, then it is definitely worth it and essentially something that you would want to pursue further.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

Other Popular Credit Card Fees FAQs

When you carry a balance on a credit card, your minimum monthly payment will depend on the amount you owe, interest rate and fees. As a rule, you have to pay 1%-2% of your card balance plus new interest and late payment fees (if applicable). If you have any past due amounts, they will be […]

Continue »

BB&T cards come with 0% intro APR on purchases, that is a great feature. But you don’t mention if you are planning to earn rewards on your purchases, as only BB&T Spectrum credit card comes with cash back rewards.

Continue »

Thank you!

Your question has been successfully sent!

What is your question?
Please, enter your question and contact information so that we can send our answer to you by e-mail.
Please fill in all the required fields.
Best Credit Offer
HSBC Gold Mastercard® credit card
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Consumer Rating: 5 / 5
Copyright © 2001-2019 BestCreditOffers.com All Rights Reserved.

*See the credit card's terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won't change. Click the "Apply Online" button and review the current info on the secure credit card terms page.

Information in these articles is brought to you by BestCreditOffers.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

The BestCreditOffers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.

BestCreditOffers.com makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that BestCreditOffers.com may be compensated by the credit card issuers when the readers apply for a credit card through this site.

BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Disclosure: Not an access card.

You've successfully subscribed!

Please specify the following:All these fields are optional

Thank you for providing this information! We will make sure our letters are useful for You.

User Generated Content Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.