Credit Card Tips - Other "hidden" fees

Lets be honest not many people read all the way through the terms and conditions of their credit cards. Lately there has been a rising trend of "hidden" fees and penalties. Your financial institution may charge you for:

• making a late payment
• exceeding your credit limit
• having a second card on the same account
• replacing a lost card
• duplicate or extra statements
• taking cash advances
• making an overseas ATM withdrawal
• converting currency when buying overseas

These fees can cost anywhere from a few dollars to hundreds of dollars so it is advisable to try and find out what these things will cost you before you accept the card.