There can be a balance-transfer fee for moving money from another bank to your card account. Worst of all, some issuers now slap customers with a fee if they consistently pay off their card balances in full every month. Banks don't make any money that way. Those are the main card fee demons. But the problem really begins by carrying credit cards charging 17 percent and 18 percent rates, as millions of people foolishly do.
Chances are they'll agree to do it because of all the competition out there.
They're in a mood to negotiate. You can avoid drastic debt problems by paying cash more often for purchases you can afford, and by knowing how deeply cards can put you in hock. Checking and savings Fees are also on the way up on deposit accounts. Interest-bearing accounts only pay 1 percent, and the fees are higher. Agree to forego having your canceled checks returned, in exchange for lower fees on your account.