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Another addition is a fee for foreign-currency conversions. It has long been thought that the smartest way to purchase goods overseas is with a credit card because you'll get a fair deal switching from, say, dollars to euros. That may still be true. But many cards now tack a 3% conversion fee on top of the profit built into the conversion rate...
What's next? Card companies are weighing a fee for people who pay their balance every month, says Levin. Watch out for that one. Some companies already close accounts that are inactive, which can lower your credit rating. And if your credit rating falls, some card issuers will raise your interest rate to punitive levels--even if you are paying in a timely manner...
...yearly review of your credit cards is a good idea. First, check the annual percentage rate, or APR, which is your total cost of carrying a balance. If you're paying more than 14%, ask why. Look for recurring fees. You may have signed up for a card with no annual fee, but that doesn't mean one wasn't tacked on. There is also a fee (up to $39) for spending beyond your credit limit and one for paying by phone ($15). Penalty fees account for a third of the industry's revenue, twice the share...
...avoid penalties? Call the card issuer and ask to have them removed. If you are a good customer, the issuer may let you off the hook once or even twice. And when you get a bill, make the minimum payment immediately and another payment as soon as you are able. Managing your credit cards takes some effort; avoiding 21,000% interest is worth...
With a final card of 625, the Crimson could not quite crack the top of the conference at the ECAC Division I Championships. The tournament, which was held at the Shelter Harbor Golf Club in Charleston, R.I., was won by Rhode Island. The Rams stole the show with a card of 602—a number that won them the overall event by a full 11 strokes. The Crimson’s two round scores break down to 312 on the first day, which was followed by a consistent 313 on the second. Two freshmen, Greg Shuman and Danny Mayer...