How do you avoid credit card fees
One way to avoid credit card fees is to understand when they will be added to a purchase. If you are buying dinner at a restaurant, or purchasing a ticket with an airline, or buying a home theater system at a department store, and you are using a credit card, most likely, that business will be charged a fee by the credit card company.
There are some unavoidable surcharge instances, though, that you can’t avoid. For example: when buying plane tickets, specifically the lower price point airline carriers, there will be no way to avoid the fee. It will have to be expected and the only way to get part of the cost back is by using something like an air miles card which will provide some reward.
If you are making a large purchase, this is a good way to avoid paying surcharges. Ask the retailer before making the purchase if there are fees or surcharges to the retailer and what amount is passed on to you. It most likely won’t help in the case of a small purchase, but if you are making a large purchase of a thousand dollars or more, you may be able to convince the retailer to remove the surcharge on your bill. This is away to keep a customer happy, guarantee a large sale, and save you some money.
A new kind of card to carry
Debit cards are a great way to avoid paying surcharges issued by credit card companies. Since debit cards are completely removed from the credit card system, the same fees aren’t applied. Most businesses accept debit cards now and many banks will remove all fees for debit card use if there are certain amounts in the account.
Debit cards are a safer alternative to carrying large amounts of cash. This is unsafe for a variety of obvious reasons, such as theft and loss, and these cards offer that safety. Many debit cards have daily limits and banks are usually very good at reimbursing money in the event of theft and use.
Why pay more?
If you want to avoid credit card fees, it is often doable and it simply means you are conscience of your money and want to save some of it. Money is incredibly difficult to earn and far too easy to spend, so why not be a little more careful with it.