From the merely annoying to the budget-busters, here's what to watch out for in travel, banking, credit cards, real estate, investments and more.
26. Credit-card late fees
Credit cards
26. Credit-card late fees
What it is The levy you face when your credit-card payment doesn't arrive by the due date or even a particular hour of the day.

What's so bad! In a decade it's gone up 150%, while the grace period to pay the bill has shrunk from 31 days to as few as 20.

Ouch! The top fee today is $39.

What you can do Mail your check seven to 10 days before the due date, suggests Linda Sherry of Consumer Action. Or schedule automatic payments. If you're late once or twice, most issuers will waive the fee. Repeat offenders won't be so lucky and may face a penalty interest rate on their balance, too.

27. Balance-transfer fee

What it is The price you pay to move your credit-card balance to another card to score a lower rate. As rates have climbed over the past two years and more borrowers have hopped from one 0% offer to the next, issuers have introduced this fee (and killed fee caps).

What's so bad The issuer levying the fee is getting your business, not losing it.

Ouch! Bank of America charges 3% of the balance, with no limit.

What you can do Pick Capital One, which has no balance-transfer fees on most cards. Wachovia exempts new customers.

Air travel

Air travel

Air travel

Air travel

Air travel

Car rental

Car rental

Hotels

Phones

Shopping

Closing costs

Title insurance

Mortgage

ATMs

Checking

Deposit

Credit cards

Credit cards

Mutual funds

Annuities

Brokerage

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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.