Your Credit Card May Be Costing More Than You Think!

Do you know what your credit card is truly costing you? Many people assume that they do, but aren't familiar with the hidden fees that many credit card companies are charging. In fact, if you don't keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year-without ever really knowing it!

And if you're trying to budget your money, those hidden fees can add up!

Let's take a look at some of the most common credit card fees, and then talk about how you can avoid them.

Grace Periods

In the past, we could always count on grace periods before we ever had to start paying interest. For example, if we charged our card to the limit, and could get it paid off before the grace period expired, then it would be like a free loan-we wouldn't have to pay any interest.

Unfortunately, the credit card companies are making this harder and harder to do. For starters, many of them have reduced the traditional 30 day grace period to 20-25 days.

If you hold a credit card, but didn't realize this, then you're likely paying interest without even knowing it! What's worse is that more and more credit card companies are eliminating grace periods altogether. That means if you charged lunch today at noon, at 12:01 pm, you would be already paying interest on it.

How about your credit card? You need to take a close look at the fine print and find out what kind of grace period you have. If your credit card company has reduced it significantly, or eliminated it altogether, you should seriously consider canceling it and getting a more user-friendly card.

Late Fees

When is the last time you checked to see what amount your credit card company charges you for a late fee? The truth is that these fees have doubled in just the past ten years, and that, combined with the reduced grace period, means that the credit card companies are raking in a lot of dough on late fees!

If it's possible, you should try and send off the check (or electronic transfer) the day that you receive your credit card bill. There are three reasons why it's important never to be late. The first is obvious; you will want to do everything in your power to avoid a hefty late fee. Next, if you are late, it will likely be reported to the credit agency and you will have a bad mark on your credit report. The third is the direst, and we'll discuss it below.

Interest Rate Hikes

Did you know that if you are late--even one time-on your credit card payment, the company will in all likelihood raise your interest rates? That's right; one late payment gives them the right to do it. What's more, that isn't just limited to your credit card payment. Any late payments from any lender that show up on your credit report gives them the justification to raise your rates, so be careful!

Copyright (c)2005 by Michael Ambrosio. You may publish this article on your site or in your newsletter provided this resource box remains in tact. Michael Ambrosio is the author of many credit related articles. Visit his website today: http://www.yourcreditandyou.com and rebuild your credit.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/news/local/la-fi-creditunions12-2008oct12,0,938332.storycid=1256110151ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNEnvBRm07m4If0tBuUErpfazsYGzwFinancial troubles spread to bcredit/b unions/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1By E. Scott Reckard, Los Angeles Times Staff Writer It#39;s not just giant banks on the brink these days: Losses are clobbering nonprofit bcredit/b unions that b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/10/in_tumultuous_financial_times_credit_unions_might_be_an_option_to_considercid=1256110151ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNGQfVZGlNv60G7zF0TxiN2gKdExrgIn tumultuous financial times, bcredit/b unions might be an option to b.../b/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.jacksoncountychronicle.com/articles/2008/10/10/opinion/03letchrisinger.txtcid=1256110151ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNFitBxr50qeNX4NDY4OzdC9O_WPlwLETTER: Your money is safe with bcredit/b unions/a font size=-1 color=#6f6f6fnobrJackson County Chronicle/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.fayobserver.com/article%3Fid%3D306916cid=1256110151ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNH3DIVhKR5EnOQQjnujW7K9-TkSqwFeds insure bcredit/b union deposits/a font size=-1 color=#6f6f6fnobrFayObserver.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256110151hl=ennobrall 9 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://afp.google.com/article/ALeqM5iPeXcbvvMWdIO4hV5dd1idJxQquQcid=1253303955ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNE1R-G00JeoVTBtkB9gGPGRH9xkQgimg src=http://news.google.com/news?imgefp=v8ZVXRUyF40Jimgurl=afp.google.com/media/ALeqM5iliHUGVTIZ9O8F0UVVwxssKUYgMA width=80 height=58 alt= border=1brfont size=-2AFP/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://canadianpress.google.com/article/ALeqM5h-O9O61Y71tZ7AQG2-BMpAwF_77Acid=1253303955ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNGals-qlQzIk1kNJkiYZi8-V33FHgIMF endorses plan by rich countries to fight bcredit/b crisis/abrfont size=-1font color=#6f6f6fThe Canadian Press,nbsp;WASHINGTONnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1WASHINGTON — The International Monetary Fund says it strongly endorses a plan by rich countries to fight the global bcredit/b crisis. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DbS1sM6eNhHIcid=1253303955ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNFmaQ9B-LhbaHkiPvGmM40ee_dh3wVideo: IMF: Timing right for G7/a font size=-1 color=#6f6f6fnobrReutersVideo/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/bS1sM6eNhHI/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/bS1sM6eNhHItype=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/newsOne/idUSTRE4964TN20081009cid=1253303955ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNESypT2UdrD7jYFjo5jOQEsy_lliAGlobal bcredit/b crisis losses approach $1.4 trillion: IMF/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/afxnewslimited/feeds/afx/2008/10/08/afx5524934.htmlcid=1253303955ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNF4ZE4jx9K5z2O4gygqErF0rXNCWgMiddle East ducks bcredit/b crisis but overheats-IMF/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://english.kbs.co.kr/news/newsview_sub.php%3Fmenu%3D2%26key%3D2008101011cid=1253303955ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNFXdxs_pk-MxW8TtYjMDPSpsCJ8xgnobrKBS/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://edition.cnn.com/2008/POLITICS/10/09/smick.crisis/%3Fimw%3DY%26iref%3Dmpstoryemailcid=1253303955ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNGA7R9wSOT7UKf-6iAyccVAd3WkagnobrCNN International/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1253303955hl=ennobrall 1,519 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sfgate.com/cgi-bin/article.cgi%3Ff%3D/c/a/2008/10/11/REVV13DME7.DTLcid=1256179356ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNGUCUIkIRAVaZaCJRPLRCxrJSJXaQbCredit/b crunch hits Bay Area housing market hard/abrfont size=-1font color=#6f6f6fSan Francisco Chronicle,nbsp; USAnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1Cheap bcredit/b played a dramatic role in fueling the housing boom of the late 1990s and early 2000s, particularly in places like the Bay Area, where buyers b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://myespn.go.com/blogs/ncfnation/0-2-897/ACC-roundup--UNC-deserves-credit.htmlcid=1256646867ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNGGl-F3TMAsaRZlP751qOavlepyOwACC roundup: UNC deserves bcredit/b/abrfont size=-1font color=#6f6f6fESPNnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1UNC deserves bcredit/b for finding a way to win each week, and this time they did it without their top playmaker, Brandon Tate. The Tar Heels definitely got b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mercurynews.com/vc/ci_10692136cid=1256292417ei=z1PxSMXyCKjs6gOnnfi9CQusg=AFQjCNHxLz9370hVwhNf2_KGeXFuJQnmEATax bcredit/b extension gives huge boost to solar industry/abrfont size=-1font color=#6f6f6fSan Jose Mercury News,nbsp; USAnbsp;-/font nobr17 hours ago/nobr/fontbrfont size=-1By Matt Nauman In what promises to be a huge boost for Silicon Valley#39;s solar industry, the extension of the solar tax bcredit/b bundled into the recent $700 b.../b/font/div/font/td/tr/table
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