Credit card holders are always interested in ways to keep their monthly charges low. And while the following might be 
considered overly repetitious, it is worth repeating especially since credit card companies are charging the excessive rates and fees that they are at this time. You can gain an edge if you use these principles.
Unfortunately, most credit card consumers use their cards with little regard for the effect that charges have on their accounts. This is because they do not read the small print on the credit card application. Included in that print is the method by which these charges are applied. Not only is there valuable information in that application, but card companies send out notices with the same small print whenever they are preparing to raise the fees on your cards and accounts. It is incumbent upon you then to take notice of these and understand the effects of their decisions.
Here are the ways in which you can help yourself and keep your charges low:
Pay Balance Off. If you pay off your balance every month, you will not incur interest charges and other fees to your account. This is true for all except the annual fee (if there is one). Avoiding this step is the first step into the abyss of never-ending charges. Along with it comes frustration at every turn. The first and most obvious way to realize low charges is by paying off your balance every turn.
Pick Low Interest Rate Cards. When you look for and apply for a credit card, choose one with a low interest rate to begin with. Sure, it can and probably will be raised after a short introductory time period, but at least you will save up front. Pay off your balance transfer amounts as soon as you can as well. This is important because credit card companies like to apply your payments to the lower interest portion of your account and let the higher interest part sit there and accumulate interest which is pure profit to them.
Keep Your Fees Low. Stay away from any cash advances on your cards. You will be assessed a fee if you take them out which adds to your balance. You must pay these off along with your monthly payment amount. If you have to take a cash advance, write down the fee that is assessed for this and place it where you can see it. This reminder will serve to motivate you to not do this on a regular basis.
Request Lower Rates. It is very common and legal to call and ask to have your rates lowered and fees cut. It never hurts to ask and if you are a customer in good standing, you might have more than a modest influence in making that happen. On the other hand, you might find that it is time to take your money to another card through a balance transfer.
Balance Transfer Fix. Do not hesitate to transfer your balance to another card that offers a lower introductory rate. Just watch out for the transfer fee – it can be stiff. Right now you will find shorter introductory periods, but it is still better than paying what you are currently and will give you the respite that you need to get your situation under more control and better able to handle the card balances.
Performing the above steps will help you maintain a good standing with credit card companies. You are still in control of your spending and credit card usage, so it is wise to remain alert to the activities on your accounts on an almost daily basis.
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