e one you've got - it's the principle of it.

Late Payment Fees and Penalty Charges
Cash advance fees, late payment charges and exceeding your credit limit are the types of fees you need to pay attention to when checking out the fine print. Many cards have unjustifiably high fees and if they do you shou

It's sad but today most credit card companies are devious and they've designed everything possible into the fine print of their terms of service to catch you. Therefore, when looking at any credit card offer, make sure you take a close look at the fine print.

Believe me, I am fully aware that it's purposely put together to appear like a maze, but because it's so vitally important to your financial well-being and with the current trend towards "relatively" easier-to-read summary boxes you no longer have a legitimate excuse for ignoring the terms of service.

That being said, I've outlined a few of the key aspects to look for that are normally "hidden" away in the fine print of most credit card offers.

The Annual Fee
Although it's not as common as it once was, it's still around. Especially, on the so-called higher status Gold and Platinum cards which still tend to charge much higher fees than the "basic" credit card. Annual fees are simply an easy way to get another $39.95 to $79.95 or more from each and every customer. It may not sound like much but it adds up when you've got millions of customers. If you give the company a call you can normally get it waived and if they won't then don't take out the card or cancel the one you've got - it's the principle of it.

Late Payment Fees and Penalty Charges
Cash advance fees, late payment charges and exceeding your credit limit are the types of fees you need to pay attention to when checking out the fine print. Many cards have unjustifiably high fees and if they do you shoul

put together to appear like a maze, but because it's so vitally important to your financial well-being and with the current trend towards "relatively" easier-to-read summary boxes you no longer have a legitimate excuse for ignoring the terms of service.

That being said, I've outlined a few of the key aspects to look for that are normally "hidden" away in the fine print of most credit card offers.

The Annual Fee
Although it's not as common as it once was, it's still around. Especially, on the so-called higher status Gold and Platinum cards which still tend to charge much higher fees than the "basic" credit card. Annual fees are simply an easy way to get another $39.95 to $79.95 or more from each and every customer. It may not sound like much but it adds up when you've got millions of customers. If you give the company a call you can normally get it waived and if they won't then don't take out the card or cancel the one you've got - it's the principle of it.

Late Payment Fees and Penalty Charges
Cash advance fees, late payment charges and exceeding your credit limit are the types of fees you need to pay attention to when checking out the fine print. Many cards have unjustifiably high fees and if they do you shou

s to look for that are normally "hidden" away in the fine print of most credit card offers.

The Annual Fee
Although it's not as common as it once was, it's still around. Especially, on the so-called higher status Gold and Platinum cards which still tend to charge much higher fees than the "basic" credit card. Annual fees are simply an easy way to get another $39.95 to $79.95 or more from each and every customer. It may not sound like much but it adds up when you've got millions of customers. If you give the company a call you can normally get it waived and if they won't then don't take out the card or cancel the one you've got - it's the principle of it.

Late Payment Fees and Penalty Charges
Cash advance fees, late payment charges and exceeding your credit limit are the types of fees you need to pay attention to when checking out the fine print. Many cards have unjustifiably high fees and if they do you shou

t card. Annual fees are simply an easy way to get another $39.95 to $79.95 or more from each and every customer. It may not sound like much but it adds up when you've got millions of customers. If you give the company a call you can normally get it waived and if they won't then don't take out the card or cancel the one you've got - it's the principle of it.

Late Payment Fees and Penalty Charges
Cash advance fees, late payment charges and exceeding your credit limit are the types of fees you need to pay attention to when checking out the fine print. Many cards have unjustifiably high fees and if they do you shou

e one you've got - it's the principle of it.

Late Payment Fees and Penalty Charges
Cash advance fees, late payment charges and exceeding your credit limit are the types of fees you need to pay attention to when checking out the fine print. Many cards have unjustifiably high fees and if they do you shouldn't sign up for them. Just say no!

Calculating Interest
Because it's so hard to understand (they make it that way on purpose) this is often one of the most overlooked, yet important aspects hidden away in the fine print. There are basically three methods being used to calculate interest on your balances.

Adjusted Balance
Not as common as it once was but some companies are still using it. In a nutshell, you are charged interest on whatever your balance was on the day the company sent you the bill.

Previous Balance
Basically, this method is simply a horse of a different color. In this version you are charged interest on your balance as it stood at the end of the previous billing cycle regardless of how much you've spent or paid off since. Some consider this a tad bit easier to understand.

Average Daily Balance
Last but certainly not least. This method is currently the most common and it's also the most complicated. Using this method your balance is added up at the end of each day in the billing cycle, it's then divided by number of days that have transpired in that billing cycle and interest is charged in this amount. I know, clear as mud.

If your balance jumps around this method may be sli