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If only expedited payments ("panic" payments you make when you are on top of the due date and there is no other way to get the payment to the company before it is overdue) are charged a fee, then the card may be acceptable. (Just keep an eye on your due dates. ) If the card charges for all electronic payments, back away and go find a lender that's a little more in tune with the times. • Credit cards that charge a monthly maintenance fee. Cards with these fees are designed for consumers with poor credit ratings who cannot qualify for any other cards.

05/22/09 13

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