Credit card companies find ingenious ways to get extra money out of cardholders — and they're all legal. If you haven't reviewed your account statement lately or read the fine print on the fee-disclosure booklet, you may be surprised to know how much you're really paying. For example: Pay the bill one day late and you could incur a penalty of $25. The same thing could happen if you go over your credit limit. (If you're a good customer they won't decline the transaction, they'll just charge you extra for it.) Such minor "transgressions" can also bump you to a...

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