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Dont let ancillary card fees creep up on you. Watch out for the increasing range of ancillary fees and penalties charged for using your credit card. It's not just the annual fee and interest charges you have to worry about these days but fees for late payment of your monthly statement, exceeding your credit limit, having a periodical payment refused, issuing secondary cards on the same account, replacing a lost card, duplicate statements, taking cash advances and making overseas ATM withdrawals. These all come at a cost ranging between $4 and $90.

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