Five unnecessary banking and credit card fees  bank fees, credit
card, fees and penalties Avoiding overdraft and over limit fees
by refusing to opt-in to the new "protection" plans banks are
hawking is just the tip of the iceberg when it comes to sparing
yourself from dubious fees for financial products and services.
Recently, these fees have proliferated, many of them marketed by
the very financial institutions that had to roll back their
heavy reliance on overdraft and penalty fee revenues after the
CARD Act -- Credit Card Accountability, Responsibility and
Disclosure Act of 2009 -- was put in place.  "I definitely think
we're seeing an uptick right now because card issuers are
looking for ways to offset lost revenue," Curtis Arnold, founder
of, told WalletPop. "The CARD Act is costing the industry
billions of dollars, and they've got to offset that somewhere."
As a result, banks, card issuers and third-party financial
services firms are aggressively marketing all sorts of products
and services, many of whi