Reply #14: Pay Them In Full Each Month [View All]

[AndyTiedye]

If you never take out a cash advance, and pay your bill in full each month,
there is no service charge (If your card doesn't work that way, get another).

I try to pay small businesses in cash, since they tend to get clobbered on
credit card fees, but I figure the big retailers and big credit card companies
mostly deserve each other. The travel industry practically insists on credit
cards over any other form of payment — try renting a car without one!
Paying for a hotel room with cash will require an extra deposit if you want the
phone to work, and paying for airline tickets in cash is likely to get you extra
attention from the TSA.