You can reduce credit card
fees, which may add up to well
over $ 100 a year, by getting rid of all but one or two cards, and by
avoiding annual, late payment, and
over-the-credit
limit fees.
In addition, you can save money, if you use short term payday loans to
avoid other
fees, such as bounced check
fees,
over limit fees on credit cards or utility reconnection
fees.