Credit cards and the things to learn
These fees are a sign that the card was designed to gouge people whose credit rating is so poor that they can't get a card anywhere else. They should not appear on any legitimate student credit card agreement. If you see them, don't call the company to ask that they be waived. Throw the application away. *Is there a charge for paying your bill by phone? Many credit card companies allow you to pay by phone either routinely, or as an emergency measure when you're about to miss a deadline.