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Credit Card Fees
Below is a list of credit card fee terms individuals applying for a credit card for bad credit should be fimilar with.
Most credit cards have fees. You will need to read your credit card agreement (Terms and Conditions) carefully to make sure you understand all the fees associated with your card. Here are some common fee terms to look for when applying for a bad credit credit card:
A processing fee (set-up fee) is charged when you open a new credit card account.
An annual fee, membership fee, or participation fee is a charge for having the card. Some companies charge the entire fee once a year. Others charge a portion of the fee each month.
A cash advance fee is charged when you use your credit card to get cash. It may be a flat fee (for example, $3) or it may be a percentage of the cash advance (for example, 3 percent of the total amount of cash you requested, including any ATM fees).
A late-payment fee (Penalty Fee) is charged if your payment is received after the due date.
A Monthly Servicing Fee (Maintenance Fees) is charged by some credit card issuers for the monthly processing and billing of your credit card statement.
A credit-limit-increase fee is charged if you ask for and receive an increase in your credit limit.
Undoubtedly, you will see some or all of these fees mentioned above in the "Terms and Conditions" section of the credit card you are applying for. Some credit card companies may waive some of these fees based on your credit score.
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