Most credit card fees are avoidable. There are cards that don’t have annual fees, foreign transactions fees, or balance transfer fees. Some cards will also waive an initial late payment fee, or may temporarily waive balance transfer fees. Also, if you’re charged a late payment fee, you may be able to contact the issuer and ask for a refund or a statement credit to offset the fee and potential accrual of interest. Card issuers don’t need to grant these, but they may be willing to if you rarely miss payments and bring the account current before calling.