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And then they give cardholders the option to reject the new terms [and close the card]. Issuers may have just determined that it’s not worth the upheaval.” Issuers want to stay competitive and encourage cardholder spending, too, said Kimberly Gartner, founder and CEO of the Kimberly Gartner Group, a consultancy specializing in financial services. “What [the survey] captured last year was tremendous competition in this space in general,” Gartner explained.

“If we are thinking about the customers who are paying close attention to card terms and fees, if they were to get yet another notice about changing terms, they might start thinking, ‘They are changing it again, what’s up with this? “So, from an issuer’s perspective, there could be some risk there if you are trying to attract and retain customers.” Foreign transaction fees continue fading away It’s easier than ever to find cards with no foreign transaction fee, the survey found. “And I think we are seeing a lot of that competition continue.

The Consumer Financial Protection Bureau had ordered banks to make an inflation adjustment and cut the maximum late fee to in 2015.

The next year, the agency said it made a “miscalculation” and allowed the fee to immediately rise back to .

When it comes to credit card fees, consumers caught a bit of a break in 2017, according to Credit Cards.com’s annual survey.

Changes to fees have slowed to a crawl, one travel-related fee is going away and the fees that remain can mostly be avoided by good payment behavior.

“Be as educated as possible.” Know your credit card habits Since the card fee landscape varies greatly, shop around for a card that fits your spending habits to avoid paying unnecessary fees.

For example, if you want to make a balance transfer, you may want to apply for a card that waives the balance transfer fee for new cardholders.

Annual fees can be as low as , as charged by the Wells Fargo Secured card, to as high as 0, which is charged by the Citi Prestige card.Cash advance fees are one of most common and expensive fees issuers can tack on to your balance.In this year’s 100-card survey, 98 charge a fee for cash advances, typically or 5 percent of the amount advanced, whichever is greater. The Pen Fed Promise Visa Card is the only card surveyed in 2017 that never charges a cash advance fee.Some issuers did raise this fee, and their adjustments comprise the majority of the changes we found in our survey.But other banks didn’t bother: 18 kept late fees capped at .

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