What are the common fees associated with credit cards?
An example of an AI chatbot conversation about credit card fees and their implications.
What are the common fees associated with credit cards?
Common fees include annual fees, late payment fees, foreign transaction fees, and cash advance fees.
Can you explain what an annual fee is?
An annual fee is a charge that credit card issuers impose for the benefits of using their card, typically billed once a year.
Are there credit cards without annual fees?
Yes, many credit cards do not have annual fees, especially those aimed at consumers with good credit.
What about foreign transaction fees?
Foreign transaction fees are charges for purchases made in a foreign currency, usually around 1-3% of the transaction.
How can I avoid these fees?
To avoid fees, look for no-annual-fee cards and those that waive foreign transaction fees, and pay your bill on time.
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