Try to get fees on your cards waived. This can be a great way to optimize your credit cards, because your credit card companies will do all the work for you. 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? Earlier I
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