Call them using the phone number on the back of the card and ask if you’re paying any fees, including annual fees or service charges. It should go a little something like this: You: Hi, I’d like to confirm that I’m not paying any fees on my credit card. Credit card rep: Well, it looks like you have an annual fee of $100. That’s actually one of our better rates. You: I’d rather pay no fees. Can you waive this year’s annual fee?
