If you have a credit card and pay an annual fee for the privilege, then perhaps you are paying too much for your card. Although there are some cards that give you a lot of benefits and so an annual fee is worthwhile, for most everyday cards there is no need to pay an annual fee. If you want to know if you should pay an annual fee or not, then here are some tips about credit card annual fees.

　　New card fees

　　If you are looking for a new card, then there is really no need for you to have to pay an annual fee. Although some cards offer many benefits,

　　, credit card companies cannot offer you the incredible introductory rates forever, and may end up charging you an annual fee after a while. If this happens you need to think about whether you want to pay the fee and stick with your card or change card issuer to one that doesn't charge you a fee.

　　No balance leads to fees

　　Amazingly, the people who end up paying the annual fees on cards are often the people who never use their cards. The card company cannot make money off someone who carries no balance or pays their balance off during the grace period. Therefore, they charge them a fee in order to make some money. If you pay off your balance each month, make sure you don't fall victim to this trap.

　　Fees for poor credit

　　Another reason why you might be charged an annual fee is if you have a poor credit rating. There are some card companies that charge large fees for a credit card if you have poor credit, which can often leave you with virtually no balance left. However, there is no need to pay these fees if you have poor credit. If you shop around then you should be able to find a credit card with no annual fee at all.

　　Should I pay?

　　In general,nike air max runners, there is no reason why you should have to pay an annual fee for a normal credit card. The card company makes money from interest and other fees, so there is no need for an annual fee. Unless you are getting a higher-level gold or platinum card or a card with many extra features, you shouldn't have to pay an annual fee at all. However,