Avoid Hidden Fees on Credit Cards

Cards are powerful—but fees can bite if you’re not careful. Here are charges to watch and simple ways to avoid them.

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Common fees

Cash advance fees, processing fees for EMI, late payment charges, foreign transaction markups and dynamic currency conversion.

Is cash advance ever worth it?

Rarely—interest accrues immediately with fees. Prefer ATM/debit or emergency funds.

How to cut foreign markups?

Disable DCC, pay in local currency, and use cards with lower forex markup.