Don't rely on what shows up in your mailbox. It's definitely worth looking at the whole universe of credit cards. You also can locate the best deals for people who carry balances and the best deals for people who pay off their bills each month. If you're sick and tired of credit card fees, you may want to consider getting a card from a credit union or local community bank. Smaller credit card issuers have not jumped on the fee bandwagon.
Community banks are much more service-oriented.
Many of them probably view some of those tactics as almost anti-consumer. A card customer would have to exceed a credit limit by 10 percent before a community bank would charge a fee. Community banks also accept card payments 10 to 15 days after due dates without penalties. Credit unions give card customers plenty of leeway as well. A credit union will accept a card payment 15 days after a due date without penalty.