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    Americans know all too well how much it costs to use credit cards. The average household in the U.S. now has nearly $10,000 in credit card debt. Carrying such debt is fine, as long as you realize that there are costs associated with it. The interest rates aren’t particularly low and the fees charged for paying late or going over your limit can be steep. Late fees of $39 aren’t uncommon, and they are assessed if your bill fails to arrive by the due date, even if it was delayed in the mail.

    The credit card companies have been listening to consumer complaints about expensive late fees and several of them have responded. American Express and Citibank have both

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    card debt. Carrying such debt is fine, as long as you realize that there are costs associated with it. The interest rates aren’t particularly low and the fees charged for paying late or going over your limit can be steep. Late fees of $39 aren’t uncommon, and they are assessed if your bill fails to arrive by the due date, even if it was delayed in the mail.

    The credit card companies have been listening to consumer complaints about expensive late fees and several of them have responded. American Express and Citibank have both

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    icularly low and the fees charged for paying late or going over your limit can be steep. Late fees of $39 aren’t uncommon, and they are assessed if your bill fails to arrive by the due date, even if it was delayed in the mail.

    The credit card companies have been listening to consumer complaints about expensive late fees and several of them have responded. American Express and Citibank have both

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    e assessed if your bill fails to arrive by the due date, even if it was delayed in the mail.

    The credit card companies have been listening to consumer complaints about expensive late fees and several of them have responded. American Express and Citibank have both

    Merchant Credit Card Services
    Studies have shown that you can increase your business sales manifold if you accept credit card payments from your customers. This is because most people are not like to carry cash around, and so using their debit card or credit card is their preferred mode of payment. Suppose,
    listening to consumer complaints about expensive late fees and several of them have responded. American Express and Citibank have both recently introduced cards that are both advertised as having no late fees. There may be a twist involved; Citibanks’s Simplicity card carries no late fees as long as you make a purchase each month within the billing period. But no late fees? Aren’t late fees the card company’s way of making sure that you pay your bill at all? What happens if you don’t pay your bill?

    That’s where the fine print comes into play. Your agreement requires you to pay your bill on time. With the Citibank card, paying late carries the usual fee o

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