An article about CC companies Fees!

Yes, it is decent reading.

I think some of this happened before I got many credit cards. A fee of $2 or 2% for cash advances seems like fantasy to me.

 

That's too bad, but if you don't carry a balance, they can't put their hands in your pocket.

 

Actually, late fees apply even if you don't carry a balance. Annual fees, which I don't believe the article mentioned, are also independent of balances.

 

Carrying a balance is different from using the card.

 

Carrying a balance refers to not paying each month's current balance in full. Carrying a balance is different from using the card.