"The bad news is that the companies are still finding creative ways to raise fees, in part to offset shrinking profits from interest paid on balances. For example, within tiered-rate schedules, the card companies are increasing lower-tier fees without changing the top tier, says Linda Sherry, spokeswoman for advocacy group Consumer Action.
Say a credit card charges a $15 late fee for balances up to $100; $29 for balances of $100 to $250; and $39 for balances of $250 and over. It jacks up the $15 and $29 fees, but not the $39 fee. This way, Ms. Sherry says, fewer people are likely to notice it and complain." source: Wall Street Journal
The article includes some frugal tactics for evading additional credit-card tricks.
The Frugal Duchess Boutique