17 Smart Ways to Avoid The Most Common Pesky Fees

You may be charged up to $27 the first time you make a late payment and up to $38 for another overdue bill within the next six billing cycles. Plus, the issuer may increase your annual percentage rate.

Consider signing up for automatic payments to ensure you pay the bill on time. If you slip up and pay late, it’s well worth asking the issuer to waive the fee. CreditCards.com says more than 80% of those who made the request had the fee waived. Discover charges no late-payment fee for the first offense and never increases your APR for late payments. The Citi Simplicity Mastercard and PenFed Promise Visa impose no late fee or penalty APR.

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