Aim to pay on time (Late payments fees are separate from penalty APRs. You could be charged both), This is the balance transfer fee (if you transfer a balance from another card or lender to this one, you will usually owe a percentage of the amount you're transferring), You'll owe this fee if you lack sufficient funds to cover a payment (You could also get hit with a bounced check fee), The amount you'll pay when you use the card abroad (Good travel cards don't charge this fee, but some cash-back cards do), The amount you'll pay yearly to hold the card (You're more likely to find annual fees on cards with rich rewards and benefits, or on cards designed for those with poor credit), Cash advances cost more than interest (You'll usually pay a fee in addition to the higher APR).

Schumer Box explained 2

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